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iMortgage - Low rate loans up to 90% LVRVariable rates from 4.66%pa (comparison rate 4.99%pa) to 90%LVR. $0 App, Legal and Valuation fees + Personal Service.
Welcome to RateCity's Mortgage section.
Do you want to know if you're getting a competitive deal on your current home loan or are you in the market for a new one? RateCity allows you to search, compare and apply for more than 2000 home loans. All you have to do is complete the mortgage form at the top of this page to receive immediate results, or head straight to one of our popular searches found at the base of this page.
If you would like to get some help completing the home loans form or learn more about the mortgage market, get tips and information, then read our Mortgage Guide. Not only is this a step by step guide to help you stay on track, it has a useful checklist of costs so you don't get stung. Lastly, keep up-to-date with the latest information regarding tips, interest rate rises and any other mortgage related news at RateCity's Mortgage News space.
RateCity's Mortgage Guide provides you with tips and useful information on what to consider when purchasing a mortgage.
We understand how important it is that you find the right mortgage as not only will you be able to rest assured with the confidence of knowing that you have made the right decision but you may also be able to save money in the long term.
Our Mortgage Guide offers the most up-to-date information, hints and tips and all you need to know about mortgages and what you need to be aware of throughout the entire process of purchasing a mortgage. Whether you want to know about mortgage repayments and how they are calcuated, the fees involved with getting a mortgage or different features available with some home loans, you are in the right place.
Read definitions on a range of mortgage and home loan terms . This is a must for anyone who needs help to decipher the difference between advertised rates and real rates, learn what an lvr is or whether an offset account might be of use to you! Find an article from the list below to get your started.
Popular Home Loan Searches
Low Doc Home Loans
These loans are a type of mortgage that is available for people who cannot prove their income and cannot provide all of the required documentation for standard home loans such as tax returns and pay slips. If you are self employed, have a bad credit rating or do not work full-time this type of loan may be suitable.
Find a low doc mortgage
Variable Rate Investment Property
This type of mortgage will see interest rates change as the market fluctuates. If you are comfortable with this feature and are searching for a loan to fund an investment property then the link below will provide you with a wide range of suitable products to choose from.
Fixed Rate Investment Property
Fixed Rate mortgages are a good option for borrowers who are not comfortable with their interest rates changing each month. This added security can be a relief, particularly if you wish to adhere to a consistent repayment strategy.
Popular Home Loan Searches
Variable Rate Mortgages
Variable mortgages are the market standard. By applying for a variable rate mortgage, your interest rate will move along with the market rate, so you may find your repayments changing many times a year. Click on the link below to start comparing today!
Find a variable rate loan
Fixed Rate Mortgages
If you are the type of person who enjoys a degree of financial certainty then a fixed rate is the way to go. Knowing that your monthly repayments won't be affected by economic conditions can also provide you with security and the ability to budget carefully.
Find a fixed rate loan
Low Interest Home Loans
Search, compare and apply for low interest home loans to find the most affordable mortgages in Australia. Often these are introductory home loans that provide a discounted interest rate for the beginning of the loan.
Compare low rate mortgages
Latest Mortgage NewsNov 28, 2013
Mining investment and strong population growth are driving the construction of new buildings in Western Australia, with the state boasting the strongest residential building industry in the country...Nov 25, 2013
Just under 8 percent of the Australian population owns an investment property, according to the Australian taxation Office, although a much higher proportion considers it – or ends up selling up an...Nov 21, 2013
It’s been quite a year for the Australian property market – with buyers out in record numbers, investors getting in on the action, prices continuing to gain momentum and record auction clearance ra...
Latest Mortgage NewsNov 20, 2013
About half of all four- and five-year fixed rate home loans, and more than a third of three-year fixed rate home loans, have had rates adjusted up in the past two months, according to RateCity rese...Nov 17, 2013
Despite record low interest rates, first home buyers now account for less than 10 percent of all new home loan dollars financed – a record low. Yet an opportunity to support a savings initiative fo...Nov 15, 2013
With Australia’s official cash rate at a 53-year historical low of 2.5 percent, Australian home owners are enjoying lower mortgage repayments than ever.
Latest Mortgage NewsNov 08, 2013
Negative gearing allows investors to claim any losses they incur on an investment property against their personal tax income and is often cited as driving up the price of property by encouraging in...Nov 15, 2012
If you're thinking of selling your home now may be the time to do it as buyers flood back into the market.Nov 06, 2013
The study by RateCity has revealed that a low interest rate environment has helped households to pay down their home loans more quickly than required.