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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.

Alex Ritchie

Personal Finance Editor

Which banks are good for refinancing?

Whether you’re struggling to repay your mortgage and want a lower rate, or you’re hoping to ditch your basic mortgage for some competitive features, refinancing can be a competitive financial decision. So, which lender should you choose for your refinance?

Home Loans

24 Mar, 2023

6 min read

Peter Terlato

Personal Finance Editor

Home loan benefits for medical professionals

Medical professionals are often eligible for special benefits while applying for a home loan. If you’re a doctor or another type of medical professional, your hard work and dedication towards the welfare of others may be rewarded through specialist home loans that make it easier to become a property owner.

Home Loans

24 Mar, 2023

6 min read

Home loan benefits for medical professionals

Peter Terlato

Personal Finance Editor

Can a temporary resident get a home loan?

A temporary resident home loan may allow you to buy a property in Australia, though you will need to meet specific eligibility and financial requirements and conditions.

Home Loans

23 Mar, 2023

5 min read

Can a temporary resident get a home loan?

Peter Terlato

Personal Finance Editor

What is the loan-to-value ratio on a reverse mortgage?

Before applying for a reverse mortgage, you may wonder how much you can borrow? How is the amount calculated? What is the maximum LVR threshold for a reverse mortgage? How much do I need to repay?

Home Loans

22 Mar, 2023

4 min read

What is the loan-to-value ratio on a reverse mortgage?

Alex Ritchie

Personal Finance Editor

What is lending criteria? The factors that may impact eligibility criteria

By understanding the eligibility criteria for mortgage approval before applying for a home loan, you can increase the chances of your application getting over the line.

Home Loans

21 Mar, 2023

7 min read

What is lending criteria? The factors that may impact eligibility criteria

Peter Terlato

Personal Finance Editor

Can I take out a loan against my home’s equity?

You can use the equity you've built up over time to secure a loan. But before you can take out any loans against home equity you’ll need to work out exactly how much equity you have available.

Home Loans

21 Mar, 2023

5 min read

Can I take out a loan against my home’s equity?

Alex Ritchie

Personal Finance Editor

What you should know about LMI waiver for professionals

Let’s explore everything you need to know about LMI waivers for professionals, including which professionals qualify and how much you could save.

Home Loans

21 Mar, 2023

5 min read

What you should know about LMI waiver for professionals

Alex Ritchie

Personal Finance Editor

What can you do if your co-owner is not paying the mortgage?

Co-owning property with someone has many benefits but also comes with risks. Find out how you can deal with the situation when your co-owner is not paying the mortgage.

Home Loans

21 Mar, 2023

5 min read

What can you do if your co-owner is not paying the mortgage?

Peter Terlato

Personal Finance Editor

Do you need a home loan for a houseboat?

Despite being utilised as a home, a houseboat is unlikely to qualify for a mortgage in Australia. Home loans are generally reserved for fixed property. If you’re looking to borrow to buy a houseboat, you’ll more likely need to secure a personal loan.

Home Loans

21 Mar, 2023

3 min read

Do you need a home loan for a houseboat?

Mark Bristow

Personal Finance Editor

A guide to single-parent home loans

If you’re a single parent with a single income, getting a home loan approved may seem daunting. However, being prepared and not rushing into a decision may help you get through the process with minimal stress. Spending some time doing your research and preparing your finances early can help make the process as smooth as possible.

Home Loans

20 Mar, 2023

5 min read

Alex Ritchie

Personal Finance Editor

What is the average mortgage on a million-dollar home?

Before making plans to buy that million-dollar home, or refinance your current one, check what the average mortgage on a million-dollar home looks like.

Home Loans

20 Mar, 2023

3 min read

What is the average mortgage on a million-dollar home?

Mark Bristow

Personal Finance Editor

How to find the right home loan when self-employed

While there may not be restrictions on the kinds of loan you can apply for as a self-employed borrower, you may have to work harder to prove to lenders that you can repay the home loan. It’s important to study all borrowing options available to you before choosing a mortgage, as the best home loan for a self-employed borrower may not be the best choice for another.

Home Loans

17 Mar, 2023

4 min read