Home Loans Articles

Relevant Home Loans articles and tips

Three mistakes home buyers make


RateCity Staff

RateCity Staff

( 4 min read )

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.


RateCity Staff

RateCity Staff

( 4 min read )

What are owner-occupied home loans?

While the investment property market in Australia is on the rise, there are still plenty of Aussie home buyers looking for a house they can move straight into and make their home. When carrying out your home loan calculations make sure you look at owner-occupied home loans.


RateCity Staff

RateCity Staff

( 1 min read )

Will we see a Melbourne Cup rate cut?


RateCity Staff

RateCity Staff

( 1 min read )

Could you be eligible for a low doc home loan?

If your financial situation is best described as “complicated” you may find it difficult to secure a standard home loan with most lenders. Even if it is through no fault of your own, such as losing your job or a failed business venture, lenders have certain lending criteria they uphold for their protection and for yours.


Patricia Babalis

Patricia Babalis

( 4 min read )

Should you buy a property with friends?

With the house prices on the rise, many Australians are turning to sharing a mortgage in an effort to get on the property ladder. For many, it’s a boost onto the property ladder, opening up a wider housing market and reducing the initial financial burden, but it’s important to beat in mind that there are some risks which could leave you caught out.


Alana Drayton

Alana Drayton

( 3 min read )

Should first home buyers access their super for a new home?

While cutting down on everyday spending can make saving up for a home deposit easier, it's easy to wonder if there's a better solution as house prices climb. For instance, should first home buyers tap into their super savings in order to get their foot on the real estate ladder?


Laine Gordon

Laine Gordon

( 4 min read )

Prevent your mortgage from limiting your lifestyle

The great Australian dream of owning a home can quickly turn into a nightmare if your new home sucks up your entire income, leaving little left over for a comfortable lifestyle.


Laine Gordon

Laine Gordon

( 3 min read )

What happens if I default on my home loan?

It's often hard when you fall on tough times to get yourself back on your feet. Home loan debt can become a scary black hole that once you've fallen into can feel impossible to rise out of.


Patricia Babalis

Patricia Babalis

( 4 min read )

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