Jodie Humphries

How to apply for a home loan with bad credit

Even if you have a poor history of repaying money, you may still be able to get approval for a home loan in some circumstances. Learn more about the different options and if you may be eligible for a home loan with very bad credit. 

What are the tax benefits available to first-time homebuyers renting out their property?

Homeowners may qualify for tax deductions when they rent out the home and make improvements. They can also claim a deduction for loss in any equipment’s value. 

Superannuation on Termination Payments - Is it payable?

If you’re planning to switch jobs or your employment was terminated for any reason, it’s helpful to understand your rights before deciding on next steps. When it comes to whether your employer must pay superannuation on termination payments, the general answer is no.

What you should know about using super for home loan repayments

You can sometimes use super for mortgage repayments if you risk defaulting and losing your home or if you qualify for the First Home Super Saver Scheme. 

What factors can affect your mortgage rate?

You may have seen mortgage interest rates advertised on lenders websites or sites like RateCity and wondered how they are set and how you can get a better deal.

Loans for first home buyers without any down payment: How they work 

Are you trying to buy your first property with no deposit? It may be possible, but it’s worth exploring all the available options. 

How to get pre-approval for a home loan as a first-time buyer?

While planning to buy your first home, it’s good to understand how much you’re eligible to borrow. Learn more about the process of getting pre-approval on your home loan. 

How will a recession affect my superannuation? | RateCity

In a recession, super fund balances may reduce due to investments making a loss and early withdrawal of super benefits by eligible members. Find out what may happen to your super funds in a recession.

How can you get a home loan on a low income? 

Even if you’re on a low income, you can still fulfil your dream of owning a home and getting a home loan. Getting home loan approval with a low income and bad credit may just take a little extra effort. 

How long does a home loan pre-approval last?

A great way to speed up the home buying process is by getting pre-approval, but you may wonder how long does a home loan pre-approval last? Can it be extended if needed? Find out.