Home Loans Articles

Tiny houses: Downsizing to avoid a mortgage

There’s been lots of buzz surrounding tiny houses since they first came onto the scene as a substitute to traditional housing.

Is this Australia's best city for first home buyers?

For Aussies who thought they would never be able to afford their own home in one of Australia’s capital cities, this may be some welcome news.

Housing affordability: Is a tree change the answer

Housing affordability: Is a tree change the answer

Have you paid $16k more for your big bank loan?

Have you paid $16k more for your big bank loan?

How long does it take lenders to pass on RBA rate cuts?

How long does it take lenders to pass on RBA rate cuts?

How much of an RBA rate cut do lenders pass on?

How much of an RBA rate cut do lenders pass on?

What the ANZ bank fees case means for credit card customers

What the ANZ bank fees case means for credit card customers

Three reasons the RBA will cut rates next week

After holding fire in July, the market expects the Reserve Bank to cut the official cash rate to a record low of 1.5 per cent when it meets next Tuesday. 

Pros and cons of buying off the plan

With capital cities across Australia suffering from a housing shortage – which subsequently pushes up property prices – the proliferation of new developments is seen as contributing to meeting the housing needs of our growing urban populations.

The case for and against fixing your rate

To fix or not to fix? That is the question.

Bad credit home loans: what are your options?

Is owning a house a distant dream for you? Was your home loan rejected because of bad credit history? You are not the only one. An unforeseen situation or factors in your personal and professional life _ self-employed status, lost job, separation, divorce or illness _ may result in missed financial payments.

Your first home buyer checklist

You’ve saved up enough money for a deposit and decided you’re ready to buy your first home. This is when the real work begins.

Why you should take time to compare interest rates

Managing the household finances can be a juggling act from one day to the next. With the cost of living on the rise and wages not keeping up with inflation, it is becoming increasingly harder to keep your head above water.

RBA cuts the cash rate - which banks have moved?

Following the RBA’s cash rate cut all are on lenders to see if they intend to pass this cut on. A full list of lenders intending to move is below.

How to minimise risk when buying an investment property

If you are contemplating acquiring another home loan to finance the purchase of an investment property, here are some tips to minimise the risk.

How to buy a home and start investing in property

Once upon a time, every Australian might have had their eyes on the nuclear family with two and a half children and the house with the red door.

Don't wait for the RBA, join RateCity's Under 4% club today

Sick of waiting for the Reserve Bank to deliver you a rate cut? With the cash rate on hold for the past 11 months, it could be time to take matters into your own hands. RateCity’s data shows that while the bigger banks have snubbed customers by lifting their rates over the last six months, a smattering of smaller lenders are still actively competing at the pointy end of the market with rates as low as 3.85 per cent. There are currently 18 lenders in RateCity’s ‘Under 4% club’, an elite group of lenders vying for customers looking for a better deal.

Pros and cons of buying off the plan

While many people go through the regular private treaty route of purchase at auction when buying a house, there is another option that Australians can take up.