Selecting the right home loan

RateCity StaffJul 8, 2009( 1 min read )

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Home Loans

CQU property expert reveals home truths on housing affordability

It’s never been harder for younger Australians to enter the property market, we regularly hear.

Mar 7, 2019( 4 min read )

Home Loans

How can I pay my loan off faster?

Whether you have a home loan, a personal loan or a car loan, it’s likely that you’d prefer your debt to be paid off as soon as possible. The longer you owe money to a bank or lender, the more interest you’ll be charged, until the total cost eventually exceeds any benefits offered by the loan.

Sep 5, 2017( 5 min read )

Home Loans

Why do home loans get rejected?

Having a home loan rejected can be incredibly frustrating, especially if you’ve put a lot of time and effort into your application. While different banks use different criteria to assess home loan applications, there are a few common issues that could see your mortgage application rejected:

Dec 19, 2017( 5 min read )

Home Loans

25 years versus 30 years home loan terms

There are a lot of decisions that have to be made when choosing a home loan. One of the most important is the loan term length. When you are paying off a loan over such a long time, five years give or take, doesn’t seem like much but it can make all the difference financially.

Nov 7, 2016( 4 min read )

Making the right home loan choice can be like picking through pebbles at a beach. It’s important to remember that there are no right or wrong choices, it all comes down to your individual financial needs and requirements.

Compare Australian home loans

With over 2000 different Australian mortgage products in our database RateCity can help you to compare home loans by the lowest rate, potentially saving you thousands of dollars every year.

We also allow you to compare specialised home loans such as low doc loans, allowing you to find home loans that better suit your circumstances.

Calculate your mortgage repayments

Once you have found a few home loan options that suit your particular financial needs, you can use our mortgage repayment calculator to work out what your repayments will look like with each home loan.

RateCity Staff

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Today's top home loans products

Rate Chaser Ezy Prime (New Customer)

Real Time Rating™

4.52 / 5

Advertised Rate

Comparison Rate*

2.89%

Variable

2.94%

No ongoing fees
100% full offset account
Parents can sign as guarantor
Extra repayments + redraw services

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Discount Offer Variable Home Loan OO P&I ($200k+)

Real Time Rating™

4.36 / 5

Advertised Rate

Comparison Rate*

2.84%

Variable

2.84%

special

$0 application fee

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Variable Home Loan (Principal and Interest) (Refinance)

Real Time Rating™

4.24 / 5

Advertised Rate

Comparison Rate*

2.84%

Variable

2.80%

No upfront or ongoing fees
Extra repayments + redraw services
Free redraw facility
Repayments may decrease if RBA cuts rates

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Premium Package Home Loan (LVR < 80%)

Real Time Rating™

3.84 / 5

Advertised Rate

Comparison Rate*

3.30%

Variable

3.62%

No upfront fees
100% full offset account
Extra repayments + redraw services
Free redraw facility

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FAQs

The Rate Guarantee is RateCity putting its money where its mouth is. We believe that too many Australians are paying too much for their home loans. We’re so confident we can help Aussies save money, if we can’t beat your current rate, we’ll give you a $100 gift card.*

There are three reasons it pays to check your rate with the RateCity Rate Guarantee:

You can find out how much you could save on your home loan by switching to a loan with a lower interest rate
If we can’t beat your current rate, you can claim a $100 gift card with our Rate Guarantee*
Everyone who checks their home loan will be entered in the draw for a chance to win $1 million!^

Selecting the right home loan

Related articles

CQU property expert reveals home truths on housing affordability

How can I pay my loan off faster?

Why do home loans get rejected?

25 years versus 30 years home loan terms

Share this article

Popular home loans searches

Today's top home loans products

Rate Chaser Ezy Prime (New Customer)

Discount Offer Variable Home Loan OO P&I ($200k+)

Variable Home Loan (Principal and Interest) (Refinance)

Premium Package Home Loan (LVR < 80%)

FAQs