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Home Loans Articles

Relevant Home Loans articles and tips

5 ways to save your home deposit faster

When you’re scraping by to save for your home deposit, the dream can start to feel more like fantasy than reality. RateCity has compiled a list of new and timeless ways you can save your home deposit faster.

Home Loans4 min read

Hidden fee traps and how you can avoid them

RateCity spoke to Sydney mother of two, Natalie, about how she found herself falling into her banks’ fee traps, and how she’s choosing to break the cycle.

Home Loans8 min read

What is a principal and interest home loan?

Home loan repayments are either made on a ‘principal and interest’ basis or they are paid by ‘interest-only’ instalments.

Home Loans4 min read

Is the cheapest home loan always the best?

We all want to pay as little for our mortgage as possible, but it would be wrong to assume that lower-rate products are automatically better.

Home Loans3 min read

Looking beyond the rate – other home loan features to get excited about

Many of us get hung up on interest rates when comparing different home loans. It’s easy to understand why – “the lower the rate, the better the loan” is a very simple formula to understand.

Home Loans5 min read

Don’t make this big refinancing mistake!

The main reason people refinance their home loan is to save money. But sometimes people make a crucial mistake and actually lose money.

Home Loans2 min read

How offset accounts can strip years off your home loan

Unless you have a bachelor degree in finance, really smart friends or a great financial advisor, you may never learn all the tricks of the trade. For instance, did you know that offset accounts reward the conscious saver by saving you thousands in interest charges and shaving years of your loan term?

Home Loans2 min read

Do I look at the property first or the mortgage?

One of the biggest mistakes house hunters can make is to start looking for a property before locking in their finance.

Home Loans3 min read
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