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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.
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
A short guide on different types of home loans in the market
Different types of home loans are better suited to borrowers with different conditions or requirements. For instance, if you’re building your home from scratch, a construction loan might prove more useful than a regular home loan. By understanding the various home loan options in the market, you can choose the mortgage that’s best suited to your needs.
Home Loans
21 Nov, 2023
6 min read
![A short guide on different types of home loans in the market](https://images.ratecity.com.au/large/20200520/aussie-houses-terrace-j3hocyjXd.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
The pros and cons of paying off your mortgage early vs buying an investment property
Paying off your mortgage early lets you own your home sooner and save money on interest charges. But is it the best option for you when it comes to wealth creation? There is no one-size-fits-all approach that is right for everybody.
Home Loans
21 Nov, 2023
6 min read
![The pros and cons of paying off your mortgage early vs buying an investment property](https://images.ratecity.com.au/large/20220201/the-pros-and-cons-of-paying-off-your-mortgage-early-vs-buying-an-investment-property-00UhV4Wh9.jpg)
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
Interest rates on the rise: how to afford your higher mortgage repayments
The Reserve Bank of Australia has hiked the cash rate again, so what can homeowners do right now to help give their budget some breathing room and better afford higher mortgage repayments?
Home Loans
09 Nov, 2023
4 min read
![Interest rates on the rise: how to afford your higher mortgage repayments](https://images.ratecity.com.au/large/20220330/i-stock-1319766088-FnKej3jdg.jpeg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
Easy ways to make your home energy efficient
By making your home more energy efficient, save on energy bills while also doing your part to protect the environment.
Home Loans
07 Nov, 2023
5 min read
![Easy ways to make your home energy efficient](https://images.ratecity.com.au/large/20231107/easy-ways-to-make-home-energy-efficient-EiC_ypN3U.jpg)
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
How to prepare for an interest rate rise
As the interest rate is arguably the biggest ongoing cost that can influence a home loan, preparing your budget for a rate rise may be useful in reducing potential financial stress.
Home Loans
07 Nov, 2023
5 min read
![How to prepare for an interest rate rise](https://images.ratecity.com.au/large/20200609/i-stock-1179761508-ksaPL-uj6.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
How much does a house depreciate in value?
You may not think of houses as depreciating in value – after all, don’t house prices keep going up and up? But property investors know that houses and apartments also experience wear and tear over time, which requires upkeep and maintenance. While this depreciation can eat into the rental yield from an investment property, the costs can often be claimed as an expense on your taxes.
Home Loans
07 Nov, 2023
3 min read
![How much does a house depreciate in value?](https://images.ratecity.com.au/large/20210805/how-much-does-a-house-depreciate-in-value-jqj1hHhaw.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
Everything home buyers need to know about stamp duty
There are many costs associated with buying a home, and stamp duty is one of the biggest. Stamp duty is a tax charged by states and territories on property purchases. This not only includes real estate, but business assets, vehicles, and some gifts and insurance policies.
Home Loans
07 Nov, 2023
11 min read
![Everything home buyers need to know about stamp duty](https://images.ratecity.com.au/large/20231107/everything-home-buyers-need-to-know-about-stamp-duty-HilEudyTE.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
Can you use rental income to qualify for a mortgage?
If you own an investment property and are thinking of buying another one, you may want to use the rental income you receive from your tenants to help pay for your next mortgage. However, not all mortgage lenders will take all of your rental income into account when assessing your mortgage application.
Home Loans
02 Nov, 2023
3 min read
![Can you use rental income to qualify for a mortgage?](https://images.ratecity.com.au/large/20210702/can-you-use-rental-income-to-qualify-for-a-mortgage-VrYkoZjqn.jpg)
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
Tax deductions for your investment property
To make the most from your investment property, it helps to better understand its tax deductions. Find out more.
Home Loans
01 Nov, 2023
4 min read
![Tax deductions for your investment property](https://images.ratecity.com.au/large/20230718/some-of-the-top-rated-home-loans-for-investors-and-refinancers-in-july-2023-H0kyWwqbl.jpg)
![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
How to increase the value of your home
Whether you are considering selling your property, or trying to maximise your return on investment through lifting your rental income, increasing the value of your home is a worthwhile endeavour.
Home Loans
24 Oct, 2023
3 min read
![How to increase the value of your home](https://images.ratecity.com.au/large/20220801/should-i-move-or-renovate-what-makes-more-financial-sense-IkhKraDsZ.jpg)
![Vidhu Bajaj](https://images.ratecity.com.au/large/20220721/vidhu-av-GVZVe0oct.jpg)
Vidhu Bajaj
Personal Finance Writer
The fixed versus variable home loan debate
Learn the difference between fixed and variable rate home loans. Make an informed choice regarding what’s better for your situation.
Home Loans
23 Oct, 2023
6 min read
![The fixed versus variable home loan debate](https://images.ratecity.com.au/large/20231023/fixed-versus-variable-home-loan-rate-debate-rc5QjJjK7.jpg)
![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
Personal Finance Editor
House Appraisal vs Market Value: how much is your home worth?
What is a property actually worth? The answer may depend on if you were to ask a real estate agent or a valuer working for a mortgage lender.
Home Loans
17 Oct, 2023
6 min read
![House Appraisal vs Market Value: how much is your home worth?](https://images.ratecity.com.au/large/20210525/house-appraisal-vs-market-value-how-much-is-your-home-worth-0ylJSrcas.jpg)
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![Alex Ritchie](https://images.ratecity.com.au/large/20190930/author-alex-512-7pFMYD0mE.jpeg)
Alex Ritchie
Personal Finance Editor
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![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
Mark Bristow
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![Mark Bristow](https://images.ratecity.com.au/large/20190930/author-mark-512-zioiNTrC5.jpg)
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Personal Finance Editor
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