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Welcome to RateCity's Home Loans 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 NewsMar 09, 2014
Think you’re too young to start planning towards a financially secure future? Think again. There are simple steps you can take to start managing your money early and take control of your financial ...Mar 05, 2014
If you are considering improving your home or are keen to get into the renovate-and-sell game, there are five risks you should keep in mind.Feb 28, 2014
There are many costs associated with buying a home, and stamp duty is probably the biggest.
Latest Mortgage NewsFeb 21, 2014
In a competitive marketplace, selling a home is no longer a straightforward transaction. But there is a trick that you can use to help add value.Feb 16, 2014
Most of us will spend years saving for a reasonable deposit before finally holding the keys to our dream home in our hand, but there are more hidden costs in buying a home than you may realise. It ...Feb 07, 2014
Whether you are buying your first home or have prior experience, the process is likely to be emotionally charged and stressful. But you can certainly minimise your stress levels with the right amou...
Latest Mortgage NewsFeb 06, 2014
The tail end of 2013 was a lucrative time for property investors and home owners alike as property prices across Australia boomed thanks to improved confidence and low interest rates.Jan 31, 2014
You could be searching for your first home, upgrading from a bachelor pad to a family home or downsizing after the kids have moved out – whatever your circumstances, visiting countless open houses ...Jan 29, 2014
As most would-be homebuyers know all too well, Australia suffers from a housing supply shortage, which experts cite as one of the reasons property prices are among the highest in the world.