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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 is home loan refinancing?
You should always keep an eye on your home loan or mortgage interest rates and repayments and understand how competitive they are. These days, sites like RateCity.com.au can help you quickly and easily compare from literally hundreds of products to find a deal which best suits your needs.
Home Loans
30 May, 2023
6 min read
Vidhu Bajaj
Personal Finance Writer
What is a refinance rebate?
Are you feeling the pinch of rising interest rates on your household budget? Refinancing to a lower interest rate could give you room to breathe and possibly earn you a cash rebate in the process!
Home Loans
30 May, 2023
3 min read
Alex Ritchie
Personal Finance Editor
What is a mortgage broker and do you need one?
A mortgage broker is a finance professional who helps everyday Australians take out home loans with lenders. If you've ever wondered what is a mortgage broker and what does a mortgage broker do, this guide can help answer all your broker questions.
Home Loans
25 May, 2023
8 min read
Vidhu Bajaj
Personal Finance Writer
What is negative gearing?
Negative gearing refers to when investors can claim a tax deduction when their investments make a loss. While negative gearing offers several potential benefits, there are also risks involved.
Home Loans
24 May, 2023
6 min read
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
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
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
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
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
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
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