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This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about Home Loans from multiple financial institutions. We will try to show you a range of products in response to your request for information. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a Home Loan, you will deal directly with a financial institution, and not with RateCity.

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  • Welcome to RateCity's Mortgage section.

    Do you want to know if you're getting a good 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.

  • Mortgages Guide

    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.

  • Mortgage Articles

    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.

      View variable rate investment property mortgages

    • 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.

      Compare fixed rate investment property mortgages

  • 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 News

    Could you save a packet with a package?

    Feb 02, 2012

    Home owners are flocking to 'package loans' combining a mortgage, transaction account and credit card all with the one lender – but are they all that they're cracked up to be?

    Is equity the key to wealth?

    Feb 01, 2012

    Keen to buy a rental property but short of a deposit? Your home equity could open the door.

    How to escape the debt trap

    Jan 30, 2012

    As we look down the barrel of 2012, plenty of Australians are struggling with debt. Now is the time to take action with simple strategies to clear the slate.

  • Latest Mortgage News

    House prices rise as rate cuts take e...

    Jan 24, 2012

    After a year of lacklustre performance, Australian house prices rose for the first time in 11 months, hot on the heels of the November interest rate by the Reserve Bank of Australia.

    Baby on board – are you financially p...

    Jan 24, 2012

    Thinking of starting a family? Now's the time to make plans for managing your finances once your baby comes on board.

    Grants: are they best for first home ...

    Jan 22, 2012

    Australian property prices show no sign of easing. If you’re a first home buyer, eager to jump into the market, you’ve probably been keeping an eye on federal and state government grants and stamp ...

  • Latest Mortgage News

    Use your mortgage to achieve 2012 goals

    Jan 18, 2012

    As the clock struck midnight on New Year’s Day around two-thirds of Australians made financial resolutions – and our home loans could hold the key to making them happen.

    Save $90K on your home loan with ease

    Dec 20, 2011

    Having a mortgage may seem like a massive long-term financial commitment. But with a few simple tips, you could shave tens of thousands of dollars off the balance and be mortgage-free years sooner.

    The great housing drought

    Jan 12, 2012

    Australia's housing shortfall is getting worse, with demand for an extra 214,700 homes nationally not being met.

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