- Home
- Home Loans
- Articles
Home Loans Articles
Learn more about how to manage your personal finances with RateCity's home loan articles, including how-to-guides on comparing home loan interest rates, fees, features and other benefits.
RateCity
What is a fixed mortgage?
In times when interest rates are set to rise more Australians turn to fixed rates for stability. A fixed rate mortgage sets your repayments for a period of time on a fixed rate often 1 to 5 years in length.
Home Loans
09 Dec, 2009
1 min read
RateCity
Government Boost
The Government boost, also known as the First Home Owners Boost was introduced by the Federal Government in 2008 to help stimulate Australia’s property market and encourage people who have never purchased a home buy their first property
Home Loans
03 Dec, 2009
1 min read
Laine Gordon
Head of Public Relations
New homes become the first buys for 2010
Experts believe that this is the perfect time for keen home buyers to snap up bargains in the housing market, which puts home loans at the top of many shopping lists. Is it a good time to buy a home with interest rates on the rise?
Home Loans
01 Dec, 2009
3 min read
Laine Gordon
Head of Public Relations
2010 Hotspots Biggest property bargains revealed
A report of Australia’s cheapest property areas reveal ’hotspots’ for price growth that are almost $400,000 less than median house prices across the country. These bargain properties are fodder for investors, and home buyers wishing to own a property outright as soon as possible.
Home Loans
01 Dec, 2009
3 min read
Laine Gordon
Head of Public Relations
Rudd tells home buyers to stand on their own feet
When it comes to home loans, the Australian government isn’t prepared to hold consumers’ hands anymore, and home buyers are expected to rely on their own decisions, according to Prime Minister Kevin Rudd.
Home Loans
01 Dec, 2009
3 min read
Laine Gordon
Head of Public Relations
Mortgage trends Basic is in, fixed is out, and capped is hot
Despite a recent string of rate hikes, borrowers are shunning fixed rate home loans. The latest ABS figures on housing finance show that demand for fixed loans fell by more than 10 percent, with fewer than 6 percent of homebuyers locking into a fixed rate.
Home Loans
01 Dec, 2009
3 min read
Laine Gordon
Head of Public Relations
Bricks and boards - Construction loans solve housing shortage
Many home loan borrowers are now considering taking up construction loans to save on costs and help with building more homes for future generations. The housing shortage is crippling Australia, according to experts who believe that the undersupply of properties will cause future suffering for home buyers.
Home Loans
01 Dec, 2009
3 min read
Laine Gordon
Head of Public Relations
Interest rates to hit 5 percent in 2010
The recent interest rate rises may be just the beginning of a long climb for home loan rates, with economists predicting that the Reserve Bank cash rate will rise to 5 percent by Christmas 2010.
Home Loans
30 Nov, 2009
3 min read
Laine Gordon
Head of Public Relations
Summer buying Now is the time to find a home and borrow
Summer is a season for family gatherings, beach holidays and long, lazy afternoons. For savvy home buyers, it may also be a good time to snap up your dream home and score the best home loan deals on the market.
Home Loans
30 Nov, 2009
3 min read
Georgia Brown
Personal Finance Editor
What is a redraw facility?
What is a redraw facility?
Home Loans
30 Nov, 2009
2 min read
Laine Gordon
Head of Public Relations
How will first home buyer cap affect you?
Buyers’ Cap, which forces future buyers receiving the First Home Owners Grant (FHOG) to keep under a price limit. Those who are planning on taking a larger home loan will have to look elsewhere to save.
Home Loans
23 Nov, 2009
3 min read
Laine Gordon
Head of Public Relations
Don't be wooed by home loan goodies
In this era of new austerity, home loan customers are sticking to the basics. While the housing market remains strong thanks to historically low interest rates and the First Home Buyers Grant, people are very cautious
Home Loans
23 Nov, 2009
3 min read
Trending articles
Mark Bristow
Personal Finance Editor
18 Mar, 2024
What is Lender's Mortgage Insurance?
Mark Bristow
Personal Finance Editor
18 Mar, 2024
How do you avoid Lender's Mortgage Insurance?
Alex Ritchie
Personal Finance Editor
05 Mar, 2024
Big banks vs small banks for mortgages
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>Mortgage stress calculator
>Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.