Home Loans Articles

Relevant Home Loans articles and tips

Fast track your way to mortgage freedom


Alex Ritchie

Alex Ritchie

( 3 min read )

How to talk your way to a lower interest rate

If you’re currently paying off a mortgage, there’s an interest rate cut waiting for you if you simply ask for it.


Alex Ritchie

Alex Ritchie

( 6 min read )

What is a comparison rate, and how is it calculated?

While many people talk about home loan interest rates, far fewer people talk about comparison rates. This is unfortunate, as home loan comparison rates can make a big difference when you’re estimating the costs of different mortgage options, whether you’re applying for your first home loan or refinancing.


Mark Bristow

Mark Bristow

( 4 min read )

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:


Mark Bristow

Mark Bristow

( 5 min read )

5 ways to save your home deposit faster

When you’re scraping by to save for your home deposit, the dream can start to feel more like fantasy than reality. RateCity has compiled a list of new and timeless ways you can save your home deposit faster.


Alex Ritchie

Alex Ritchie

( 4 min read )

Hidden fee traps and how you can avoid them

RateCity spoke to Sydney mother of two, Natalie, about how she found herself falling into her banks’ fee traps, and how she’s choosing to break the cycle.


Alex Ritchie

Alex Ritchie

( 8 min read )

What is a principal and interest home loan?

Home loan repayments are either made on a ‘principal and interest’ basis or they are paid by ‘interest-only’ instalments.


Alex Ritchie

Alex Ritchie

( 4 min read )

Is the cheapest home loan always the best?

We all want to pay as little for our mortgage as possible, but it would be wrong to assume that lower-rate products are automatically better.


Nick Bendel

Nick Bendel

( 3 min read )

Looking beyond the rate – other home loan features to get excited about

Many of us get hung up on interest rates when comparing different home loans. It’s easy to understand why – “the lower the rate, the better the loan” is a very simple formula to understand.


Mark Bristow

Mark Bristow

( 5 min read )

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