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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.

Peter Terlato

Personal Finance Editor

What to know when applying for a home loan while pregnant

Preparing for a baby is stressful enough without throwing a home loan into the mix. But being armed with the right information about applying for a home loan while on maternity leave may help.

Home Loans

30 Jun, 2023

5 min read

What to know when applying for a home loan while pregnant

Mark Bristow

Personal Finance Editor

Who pays the mortgage when separated?

Separation is never easy, and the financial questions may be the last thing on your mind. However, bills and mortgage payments will continue, which leads to the question: Who pays the mortgage when you’re separated?

Home Loans

29 Jun, 2023

5 min read

Alex Ritchie

Personal Finance Editor

Refinancing a home loan with bad credit

Managing your finances is rarely easy, but this can prove especially challenging if you’ve had problems with bad credit in the past. Whether you’re doing it tough due to circumstances beyond your control, or you’re trying to make up for money mistakes you’ve made in the past, a bad credit score can cast a long shadow over your future financial dealings, including refinancing a home loan.

Home Loans

28 Jun, 2023

7 min read

Peter Terlato

Personal Finance Editor

Can you get a home loan with no fees?

There are lenders that offer home loans with no upfront or ongoing fees. However, to be eligible for a no fee home loan you may have to meet certain requirements and could still incur fees if you break the terms of the mortgage contract.

Home Loans

27 Jun, 2023

9 min read

Peter Terlato

Personal Finance Editor

What do mortgage brokers do?

Mortgage brokers are finance professionals who help borrowers organise home loans with mortgage lenders.

Home Loans

26 Jun, 2023

5 min read

Peter Terlato

Personal Finance Editor

How to find a mortgage broker

With so many options out there, it can be overwhelming to know where to start. But fear not! We've put together a handy guide to help you navigate the process in order to find the ideal mortgage broker for your needs.

Home Loans

22 Jun, 2023

6 min read

Alex Ritchie

Personal Finance Editor

Refinancing your home loan to buy an investment property

If you’ve been paying down your mortgage consistently while living in your property, you may be considering using your available equity to secure an investment property. While this strategy comes with its risks, there is potentially also great reward to be had in a successful investment.

Home Loans

07 Jun, 2023

5 min read

Refinancing your home loan to buy an investment property

Mark Bristow

Personal Finance Editor

What you need to know about refinancing for debt consolidation

If you already have a home loan, and also owe money on credit cards, personal loans or car loans, you may be figuratively drowning in debt. Juggling the repayments on multiple loans can be challenging at the best of times, and if your financial circumstances were to suddenly change, such as if you lost your job or suffered a prolonged illness, you could be at real risk of defaulting on one or more debts.

Home Loans

05 Jun, 2023

6 min read

What you need to know about refinancing for debt consolidation

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

What is a mortgage broker and do you need one?

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