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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.

Best Mortgages

Compare the best mortgage and home loans at RateCity.com.au

When choosing the best mortgage for you remember that each loan is targeted at a different profile, so there is no black and white advice as to what is a 'good' or 'bad' home loan. Therefore it is important that you shop around to find a loan that is 'good' for you.

Common home loan types
  • Basic Home Loan. Generally good interest rates. They are similar to Standard Variable home loans but tend to have less features
  • Fixed Rate Home Loan. The interest rate will be fixed for the agreed term, usually from 1 to 3 years
  • Variable Rate Home Loan. Most common loan type in Australia due to its flexibility and features
  • Low-Doc Home Loan. Suitable for people who are self-employed and can't provide the usual amount of paperwork required to show a regular income stream
  • Interest Only Home Loan. Can be used for owners living in the property but is more suitable for investment property. Borrower only has to pay the interest on the balance. For more information see our article on interest only home loans
  • No Deposit Home Loan. Applicant borrows the full purchasing price of a property without any initial deposit. The loan-to-value ratio is 100%


What to look for when choosing a home loan?
See all Mortgage Articles
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About Mortgages Articles

RateCity provides mortgage news and features, including a range of weekly stories and economic updates. By checking our mortgage news and features daily, you can ensure that you receive up to date, expert commentary on current financial and economic issues. Before you search, compare or apply for the best mortgage for you, help yourself understand the market by reading mortgage news and features at RateCity.

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