RateCity
Monthly repayments are based on advertised rate, loan amount and selected payment frequency over 25 years.
The comparison rate is based on secured credit of $150,000 and a term of 25 years. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.
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Welcome to RateCity's Loan section.
Are you in the market for a home, car or personal loan or do you currently have a loan and want to make sure you’re getting a good deal? RateCity allows you to search, compare and apply for more than 2000 home loans, personal loans and car loans – all in the one place.
Just complete the quick form at the top of this page and get your results immediately, or head straight to one of our popular searches found at the base of this page.
Should you need any help completing the Loans Calculator form or if you just want to learn more about mortgages and other loans, make sure you check out our Loans Calculator Guide.
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Loans Guide
Finding the right loan for you is important – use our Loans Guide to get the most up-to-date information, hints and tips about Car, Personal and Home Loans.
If you are looking to learn more about loan repayments and how they’re calculated, the fees involved with getting a loan or different features available with some loans, you are in the right place.
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Loan Articles
Read definitions on a range of loans terms using our Loans articles page. Familiarise yourself with the difference between advertised rates and real rates, learn about accelerating repayments and cash rates or find out if a low doc mortgage is the one for you. Get started by checking out the articles below.
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Popular Loans Searches
Variable Rate Mortgages
Variable mortgages are the market standard. By applying for a variable rate mortgage, your interest rate will move along with the market rate, so you may find your repayments changing many times a year. Click on the link below to start comparing today!
Find a variable rate loan
Personal Loan Ratings
CANSTAR CANNEX personal loan ratings compare the major types of secured and unsecured personal loans products in Australia. Products are given a rating out of five stars for their comparative cost and for the array of positive features attached to the loan.
Low Interest Home Loans
Search, compare and apply for low interest home loans to find the most affordable mortgages in Australia. Often these are introductory home loans that provide a discounted interest rate for the beginning of the loan.
Compare low rate mortgages
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Popular Loans Searches
Low Interest Personal Loans
For the latest low interest personal loans, compare online at RateCity to find a deal to match your repayment style. Choose from an extensive range of low interest personal loans that have been compiled by CANSTAR CANNEX. Click on the link below to start comparing today!
Find a low interest personal loan
Fixed Rate Mortgages
If you are the type of person who enjoys a degree of financial certainty then a fixed rate is the way to go. Knowing that your monthly repayments won't be affected by economic conditions can also provide you with security and the ability to budget carefully.
Find a fixed rate loan
Fixed Rate Personal Loans
Fixed rate personal loans make it easier to prepare a more reliable budget for the long term, as the repayments will be the same. If you are in the market for such a loan then click on the link to compare products and find one that suits your needs.
Find a fixed rate personal loan
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Latest Loan News
Downsize your house expenses, not you...
Feb 20, 2012The rising cost of living is pushing more homeowners to the brink, with around one in 10 Australians forced to downsize their home last year to reduce living expenses, new research has revealed.
Is it the right time to fix your home...
Feb 17, 2012The mere mention of the words 'rate rise' sends many homeowners into a spin, as they debate the long-term financial benefits of fixing their rate compared to riding out the variable rate rollercoas...
The world's most expensive real estate
Feb 16, 2012It's been another gloomy year for the Australian property market, marked by falling house prices, fewer sales, mortgage interest rate hikes and real estate jobs heavily slashed. But when compared g...
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Latest Loan News
How to fake a pay rise
Feb 13, 2012Would you like to increase your disposable income by 5 to 10 percent, but can't convince your employer that you deserve a pay rise? There may be another way to beef up your spending (or saving) mon...
Get on top of your finances with 3 si...
Feb 13, 2012If the festive season has left you feeling a little flat, financially, there are a few tools to get you back on top of your budget and in control of your money.
Switching banks – why should you bother?
Feb 12, 2012With ANZ and Westpac Bank's decision to raise mortgage rates independently of the Reserve Bank, lifting standard variable rates by 6 and 10 basis points respectively, RateCity estimates that around...
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Latest Loan News
The real cost of buying a home
Feb 06, 2012You may have a vague idea of the fees and charges associated with buying a home, but many first-home buyers are caught by surprise by the hidden cost of becoming a homeowner.
What will another rate cut mean for you?
Feb 05, 2012The Prime Minister last week joined the chorus of voices calling on the Reserve Bank of Australia to drop interest rates further, but it may not have been necessary – the general consensus by econo...
Could you save a packet with a package?
Feb 02, 2012Home owners are flocking to 'package loans' combining a mortgage, transaction account and credit card all with the one lender – but are they all that they're cracked up to be?
