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2020 Home Loan Guide

Read our home loans guide to answer all your questions about applying for a home loan. Learn more about mortgages and find the home loan that suits your needs.

Read other Home Loans guides

RateCity's must-read guides on all aspects of home buying selling refinancing and home loan essentials.

RateCity

As a valued GetCreditScore member, based on your credit score you now have access to an exclusive sale that includes Australia's LOWEST home loan rate* from Reduce Home Loans.

- 31/10/2018

- 0 min read

Home Loan Refinancing Guide

Learn how refinancing can help shrink your mortgage repayments, pay off your home loan sooner, or put the equity in your property to use with the RateCity refinance home loan guide. Download the guide to understand the steps to refinancing and get advice from a mortgage expert about your home loan.

- 20/07/2018

- 0 min read

What to consider before taking a home loan

A mortgage is a major financial commitment which can make a massive impact on your lifestyle. RateCity_s guide to what to consider before taking a home loan provides valuable info on fees, charges, processes and more to help you decide whether you_re ready to take the plunge and become a home owner.

- 01/01/2016

- 4 min read

Looking for more guides ?Show me all

Today's top home loans products

loans.com.au

Smart Home Loan (Principal and Interest)

Advertised Rate

2.48%

Variable

Comparison Rate*

2.50%

  • Interest rates ranked in the best 20%
  • No ongoing fees
  • Extra repayments and redraw facility
  • Free redraw facility
Real Time Rating™

3.31

/ 5
View Now
UBank

3 Year Fixed (Owner Occupied Principal & Interest)

Advertised Rate

1.95%

Fixed - 3 years

Comparison Rate*

2.27%

  • Interest rates ranked in the best 20%
  • No upfront or ongoing fees
  • Split account option
Real Time Rating™

3.38

/ 5
View Now
UBank

Discounted Variable Rate (Owner Occupied Principal & Interest)

Advertised Rate

2.34%

Variable

Comparison Rate*

2.34%

  • Interest rates ranked in the best 20%
  • No upfront or ongoing fees
  • Extra repayments and redraw facility
  • Free redraw facility
Real Time Rating™

3.70

/ 5
View Now
UBank

3 Year Fixed (Investor Principal & Interest)

Advertised Rate

2.29%

Fixed - 3 years

Comparison Rate*

2.65%

  • Interest rates ranked in the best 20%
  • No upfront or ongoing fees
  • Split account option
Real Time Rating™

2.51

/ 5
View Now

RateCity

At RateCity, it’s not just our expert money writers and news journalists that are passionate about helping Aussies save money. Stories are also published by our experienced data analysts, property experts, and product marketing team using this byline.

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Learn with our Guides

  • Home Loan Guide
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  • Home Loan Considerations Guide
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This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.