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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.
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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.
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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.
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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.
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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
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Latest Mortgage News
First home buyers back, but sales sti...
May 11, 2012Despite a rise in the number of first home buyers entering the market this year, vendors are still doing it tough; property is taking longer to sell in all capital cities than 12 months ago.
Can renting make you rich?
May 06, 2012Australia is a nation of home buyers; around 70 percent of households own their own home, the Bureau of Statistics says. But on the road to financial freedom, is the ball-and-chain mortgage really ...
Renters priced-out of capital cities
May 03, 2012Rental properties in Australia's capital cities have become too pricey for low-income tenants, new research shows.
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Latest Mortgage News
What should you do with the rate cut?
May 02, 2012It's the rate relief news many Australians have been waiting for, as the Reserve Bank of Australia (RBA) cut interest rates by 50 basis points on Tuesday. But it will count for little if the banks ...
Save $100K by switching home loans
May 01, 2012If given a chance to get a better rate, eight out of 10 Australians say they would consider switching banks for their home loans, so why don't more of us do it?
Rate cut imminent
Apr 26, 2012An official rate cut seems all but a certainty, with financial commentators tipping at least a 25-basis point reduction at tomorrow's Reserve Bank board meeting.
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Latest Mortgage News
First retire, and then have kids
Apr 20, 2012Forget retirement at age 65; a frugal group of thirty-somethings are retiring, relatively wealthy, to the envy of their peers.
House prices reshape the nuclear family
Apr 18, 2012Forget the dream of having two kids, a border collie and a white-picket fence; new research shows the rising cost of living is reshaping the traditionally "standard" family structure.
NSW considers pay-as-you-go stamp dut...
Apr 16, 2012First home buyers in New South Wales could be allowed to pay off their stamp duty over several years under a proposed scheme designed to kick-start the property market.
