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Home Loans

Big banks vs small banks for mortgages

Choosing your mortgage provider can sometimes involve as much research as locating your ideal property. After all, you wouldn’t purchase the first property you saw without looking inside, so why would you treat your mortgage this way?

Alex Ritchie

Alex Ritchie -

05 Mar, 2024 -

6 min read

Home Loans

What is Lender's Mortgage Insurance?

Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.

Mark Bristow

Mark Bristow -

18 Mar, 2024 -

4 min read

Home Loans

How do you avoid Lender's Mortgage Insurance?

Lenders Mortgage Insurance (LMI) can make a big impact on your mortgage budget if you plan to borrow with a low deposit. Whilethere are several options available to avoid LMI, some may better suit some borrowers more than others.

Mark Bristow

Mark Bristow -

18 Mar, 2024 -

6 min read

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Home Insurance

What types of home insurance are there?

Home and contents insurance are often mentioned in the same breath, and many insurance providers sell them as a package deal, but they are two different types of insurance that cover two different things. Whether you’re an owner occupier, a tenant or an investor, it’s important to know you’re covered with the right kind of home insurance - in fact, having insurance may be a requirement of your mortgage.

Mark Bristow

Mark Bristow -

22 Feb, 2024 -

4 min read

Home Insurance

Renting out a room in your home: Are you insured?

Renting out a room in your home can be beneficial in a number of ways - it can help you earn extra income to put towards household bills or mortgage payments, and it can even be a way to make use of a space that’s sitting dormant. That said, if you are considering becoming a landlord, even on a small scale, then it’s important to understand the legal requirements and the workings of the rental market, as well as how renting out a room could potentially affect your home and contents insurance. 

Mark Bristow

Mark Bristow -

09 Feb, 2024 -

5 min read

Home Insurance

What does building insurance cover?

Home insurance can be daunting, especially when trying to protect your most valuable asset - your home. Building insurance plays a crucial role in safeguarding homeowners from financial loss due to damage or destruction of their property. Understanding the essentials of building insurance and its costs may help you save some money on your policy.

Mark Bristow

Mark Bristow -

12 Feb, 2024 -

3 min read

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Credit Score

Four habits to keep your credit score top notch

Being mindful of your financial habits can make a big difference to how easy or hard it is to keep your credit score at the top end of the band. Here are four of the top ways to maintain or grow a good credit score:

Mark Bristow

Mark Bristow -

15 Feb, 2024 -

4 min read

Credit Score

How often does your credit score change?

The frequency at which your credit score changes will depend on how often a bank, lender or service provider offers this information to credit bureaus, and how often a credit bureau assesses your individual credit history and payment behaviour. 

Eden Radford

Eden Radford -

30 Jan, 2024 -

4 min read

Credit Score

How good debts and bad debts can affect your credit score

Is there such a thing as 'good debt' and what could it mean for your financial future?

Mark Bristow

Mark Bristow -

16 Feb, 2024 -

4 min read

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Superannuation

Can you use super to pay your mortgage?

It is possible to use the money in your superannuation fund to help cover the cost of your mortgage in certain circumstances, such as if you’re retiring or are in financial hardship. However, accessing your super fund early can make a big difference to your retirement lifestyle. 

Mark Bristow

Mark Bristow -

21 Jul, 2023 -

4 min read

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Car Loans

Will my car loan affect my mortgage application?

A car loan may positively or negatively affect your mortgage application. Successfully managing your car loan repayments could help improve your credit score, which may make a better impression on mortgage lenders. But if your car loan would push your debt-to-income ratio too high, a lender may be less likely to approve your mortgage application.

Mark Bristow

Mark Bristow -

07 Nov, 2023 -

7 min read

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Home Loans

A tale of two cities: offset balances hit a new record high as arrears climb

The latest APRA data shows money in offset accounts hitting a record high, while mortgage arrears continue to climb.

Eden Radford

Eden Radford -

13 Mar, 2024 -

5 min read

Home Loans

ANZ and Suncorp Bank merger back on – what does this mean for refinancing?

The merger between ANZ and the banking arm of Suncorp is set to proceed, with a previous block from the competition watchdog being overturned. But what does this mean for Australian mortgage holders? 

Mark Bristow

Mark Bristow -

22 Feb, 2024 -

3 min read

Home Loans

Are cashback deals worth it?

While the idea of pocketing a couple thousand dollars for switching your mortgage might sound appealing, it’s important to understand there are a number of different factors that go into choosing a loan.

Eden Radford

Eden Radford -

26 Mar, 2024 -

4 min read

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Savings Accounts

Some of the top-rated savings accounts in March 2024

How big a difference does your savings account interest rate really make? You may be surprised by the effect that a high-rate savings account could have on your wealth, depending on your saving strategy. Just make sure that the account you choose is one that suits your needs and can help you reach your goals.

Mark Bristow

Mark Bristow -

15 Mar, 2024 -

3 min read

Savings Accounts

Some of the top-rated savings accounts in January 2024

Is 2024 the year you’ll finally buy that boat, go on that holiday, or organise that dream wedding? Whether you’ve already been growing your wealth, or you’re yet to start building your nest egg, it may be worth comparing savings accounts to make sure you’re getting the most value for your money.

Mark Bristow

Mark Bristow -

15 Jan, 2024 -

3 min read

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Term Deposits

Some of the top-rated term deposits in January 2024

Australians concerned about how shifting interest rates could affect their savings in 2024 could consider locking in a term deposit interest rate. However, it’s essential to carefully compare term deposits before you commit to help ensure your choice matches your personal goals and financial needs.

Mark Bristow

Mark Bristow -

16 Jan, 2024 -

3 min read

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Home Loans

ING Mortgage Simplifier | Ratecity

Compare ING and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

LCU Intelligent Mortgage | Ratecity

Compare LCU and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Select Home Loan | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

LCU Property Investment Mortgage | Ratecity

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Select Fixed Home Loan | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Pacific Mortgage Group Fixed Home Loan | Ratecity

Compare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Select Investment Loan | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Essential Options Prime | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Essential Options Alt Doc | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

RACQ Bank Mortgage Saver Home Loan (QLD only) | Ratecity

Compare RACQ Bank and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage Investment Home Loan (Special) | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House The Essentials Low Rate Home Loan | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage Standard Home Loan | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage - Fixed - Investment (Special) | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Executive Saver Home Loan | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage - Fixed Home Loan | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage Home Loan (Essential) | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Low Rate Advantage Essential Investment Loan | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Resi Mortgage Select Fixed Investment Loan | Ratecity

Compare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage - Fixed - Investment | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Mortgage House Advantage - Fixed Home Loan (Special) | Ratecity

Compare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

The Capricornian Mortgage Plus Home Loan | Ratecity

Compare The Capricornian and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Pacific Mortgage Group Investment Variable Home Loan | Ratecity

Compare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Pacific Mortgage Group Standard Variable Home Loan | Ratecity

Compare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Pacific Mortgage Group Investment Fixed Home Loan | Ratecity

Compare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Pacific Mortgage Group Construction Home Loan | Ratecity

Compare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

QBANK Line of Credit - Mortgage Secured Overdraft | Ratecity

Compare QBANK and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read