Jodie Humphries

Can I get a home loan with a low credit score?

You can apply for a home loan with a low credit score, but you may not get the best deal in the market. Check how to improve your credit score before applying.

What you should know about historical mortgage rates

Studying historical home loan interest rates can help prepare for future trends, which can be useful for homebuyers in deciding when to apply for a mortgage.

How do banks approve home loan applications?

Knowing how banks approve home loans will help you prepare correctly and maximise your chances of getting your application approved.

Can I take out a second mortgage on my home?

You may take out a second mortgage on your home if your first mortgage lender allows it. Consider checking the pros and cons before applying for a second mortgage.

Changing from owner occupier to investment property | RateCity

There are many reasons why you might want to move house. Perhaps you found a job in a different city, or your family has grown and the house or apartment no longer fits your needs. Whatever may be the reason for the change, you don’t need to give up the home you own when you move to another. 

Can I claim a car loan on my tax return?

You may get tax deductions on the interest and depreciation on some car loans, provided you’re using the car for business purposes.

Owner occupied home loan tax deductions: What's available?

You may qualify for tax deductions if even a part of your property is used for earning an income, whether by renting it out or running a home-based business.

Can stamp duty be added to your mortgage? | RateCity

Stamp duty is an upfront cost associated with buying property. It can be costly, and you may wonder if a lender will let you add this amount to your mortgage.

How can mortgage reduction strategies improve my financial situation? 

Few of us want to hang onto the mortgage for longer than we have to. Luckily there are several strategies you can use to pay down your home loan faster. 

What is a rate lock and what happens if it expires before your home loan closes? 

Some Aussies opt for a rate lock to ensure they are not hit with an unexpected interest rate hike while their home loan is being processed. Learn more about how you can lock in your mortgage rate.