Mark Bristow

How to find your interest rate

Pop quiz, hotshot – what interest rate are you currently paying on your home loan? Could you name it off the top of your head?

How to find the value of your property

It’s romantic to measure what a home is worth in terms of love, memories, or similarly sentimental metrics. Unfortunately, banks and other mortgage lenders aren’t renowned for their sense of whimsy, and prefer to measure the worth of properties in dollar values.

Looking to use your home equity to refinance?

Whatever your reason for thinking about refinancing your home loan, your ability to do so will depend on a variety of factors, with your amount of available equity being one of the most important.

Should you switch or negotiate a better rate?

Refinancing your home loan is a significant decision, and one that’s worth giving some proper consideration before taking the plunge. By following RateCity’s six-step process, you can accurately assess the current state of your personal finances, where you would like them to be, and determine whether switching from one lender to another will ultimately be worth it.

What are home loan break costs?

If you have a fixed rate home loan and you are still in the fixed period, you may incur additional charges if you refinance or sell your property and exit from your loan. These charges for breaking the fixed rate home loan contract are called break costs.

Refinancing a home loan for bad credit

Managing your finances is never easy, but this can prove especially challenging if you’ve had problems with bad credit in the past. Whether you’re doing it tough due to financial problems from circumstances beyond your control, or if you’re trying to make up for money mistakes you've made in the past, a bad credit score can cast a long shadow over your future financial dealings, including refinancing a home loan.

Five tips for refinancing your home loan

Refinancing a mortgage can be a great way to refresh your finances to better suit your current lifestyle.

Refinancing for debt consolidation

If you already have a home loan, and also owe money on credit cards, personal loans or car loans, you may be (figuratively) drowning in debt.

More housing needed for Australia's retiree renters

RBA keeps rates stable following eventful month

The Reserve Bank of Australia Board confirmed today that the nation’s cash rate would remain on hold at 1.5% for a second consecutive month.