The Role of Risk-Based Pricing in Determining Your Home Loan Rate
Risk-based pricing means lenders charge different rates to different borrowers based on how risky they think the loan is. The biggest factors…
Home loan guides
Plain-English guides to how Australian home loans work, from comparing rates and choosing between fixed and variable to fees, loan features, refinancing, investing and buying your first home. The rates we quote come from the product data lenders publish under the Consumer Data Right, so you can check any guide against today's numbers in our comparison table.
Why High-Value Borrowers Often Qualify for Better Home Loan Rates
Lenders often give larger loans and financially strong borrowers lower rates because those loans earn the lender more for similar costs, and…
Are Cashback Offers on Home Loans Worth the Trade-Off in Higher Rates?
A home loan cashback is only worth it if the rate is also competitive. A $4,000 cashback on a loan that charges…
Refinancing Your Investment Property: When Do the Numbers Stack Up?
Refinancing an investment property makes financial sense when the after-fee saving over the time you’ll hold the loan is meaningful, or when…
How Lower Interest Rates Can Supercharge Your Cash Flow (With Real Data Examples)
Lower interest rates can make an investment property more affordable to hold by reducing the interest charged on your mortgage. On a…
Which Australian States Offer the Best Home Loan Deals for Property Investors?
There is no state or territory that automatically offers cheaper investment home loan rates. Most Australian lenders price their investment loans nationally,…
Interest Rate Forecasts and Property Market Cycles: A Data-Driven Investor’s Guide
Interest rates and property prices often move in opposite directions, but they don’t follow a fixed pattern. When the Reserve Bank of…
Regional vs Metro Areas: How Home Loan Rates Differ for Investors
Most lenders charge the same advertised rate for a standard home in a regional town as in a capital city. The difference…
How to Leverage Equity to Secure Better Home Loan Rates
If your property has increased in value or you’ve paid down a good portion of your mortgage, you may be able to…
Top Tips for Negotiating a Lower Interest Rate with Your Lender
You could be paying more than necessary on your home loan simply because you haven’t asked your lender for a better rate.…
Exploring the Relationship Between Property Prices and Interest Rates
Interest rates have a major influence on property prices because they affect how much buyers can borrow and afford to repay. When…
How Often Should You Reassess Your Home Loan to Secure the Best Rate?
Check your home loan at least once a year, or whenever something changes, such as an RBA rate increase, the end of…