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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.

Vidhu Bajaj

Personal Finance Writer

What happens to my redraw when I refinance?

Some lenders allow you to make extra repayments on top of your minimum home loan repayments, and a redraw facility allows you to access these funds when you need them for other purposes.

Home Loans

23 May, 2023

3 min read

What happens to my redraw when I refinance?

Mark Bristow

Personal Finance Editor

Can you get a home loan when you’re being paid commissions?

Many Aussie salespeople earn a commission on the products or services they sell, which is calculated as a percentage of the total value of the sales. Commissions can vary for several reasons, such as changing seasonal demand for products or difficulties hitting sales targets.

Home Loans

18 May, 2023

9 min read

Can you get a home loan when you’re being paid commissions?

Vidhu Bajaj

Personal Finance Writer

What is a home loan offset account?

Getting a home loan with the right features is one of the simplest ways to reduce your costs in the long term. A mortgage offset account is one feature that could make a huge difference, potentially saving you thousands of dollars per year, and may help you repay your mortgage sooner.

Home Loans

18 May, 2023

6 min read

Vidhu Bajaj

Personal Finance Writer

Home loan redraw pros and cons

Redraw facilities are a way to access any additional payments you make on your mortgage but are they worth it? Weigh up the pros and cons.

Home Loans

11 May, 2023

7 min read

Mia Steiber

How to refinance a home loan in six steps

Refinancing your home loan is a strategy that could save you thousands. If you are considering refinancing, here are the steps you need to know.

Home Loans

04 May, 2023

10 min read

How to refinance a home loan in six steps

Vidhu Bajaj

Personal Finance Writer

Why should you consider paying your mortgage every two weeks?

While many people make mortgage repayments once a month, paying your mortgage every two weeks offers some advantages. Find out why you should consider paying your mortgage fortnightly.

Home Loans

02 May, 2023

5 min read

Why should you consider paying your mortgage every two weeks?

Alex Ritchie

Personal Finance Editor

What happens on home loan settlement day when you refinance?

Settlement is a crucial step in the home loan process, as it provides you with breathing space to know you are satisfied with the new loan. Let’s explore what homeowners need to know about the refinancing process before, during and after settlement.

Home Loans

28 Apr, 2023

4 min read

What happens on home loan settlement day when you refinance?

Alex Ritchie

Personal Finance Editor

How do mortgage brokers get paid? | RateCity

How much does a mortgage broker cost? How do brokers make their money? And can this affect which home loans your broker recommends? For the answers to these questions and more, read on:

Home Loans

24 Apr, 2023

4 min read

How do mortgage brokers get paid? | RateCity

Alex Ritchie

Personal Finance Editor

Using a broker to refinance your home loan

A mortgage broker can assist homeowners with the entire refinancing process, from choosing a new lender to helping fill in your application. Let’s explore what you need to know about using a broker to refinance your mortgage.

Home Loans

18 Apr, 2023

4 min read

Using a broker to refinance your home loan

Jodie Humphries

Personal Finance Editor

Dealing with a negative mortgage when going through a divorce

Find out your options if you’re dealing with divorce proceedings and your house has a negative equity mortgage.

Home Loans

17 Apr, 2023

6 min read

Dealing with a negative mortgage when going through a divorce

Peter Terlato

Personal Finance Editor

What is Afford Assist?

Saving for a deposit can be incredibly difficult, particularly if you’re battling tough economic conditions, such as soaring inflation, costly real estate values and a pricey rental market. AffordAssist provides an alternative solution.

Home Loans

13 Apr, 2023

5 min read

Peter Terlato

Personal Finance Editor

How to find a good home loan lender

Finding a good home loan provider can be as important as finding the right house to buy. Here’s how to go about determining if the lender you're considering is ideal for you and your needs.

Home Loans

11 Apr, 2023

4 min read