Home Loans

BORROWING

Offset accounts can save you thousands for disciplined users

When they’re used properly they can accelerate the paying-down of the mortgage.

Mortgage fees paid to lenders rise

John Collett Home buyers are urged to shop around to ensure they're getting the best possible deal.

One in five new borrowers fix home loans

First home buyers are locking in more fixed rate home loans than they were four years ago as arrears rates continue to improve.

Banks' could pull back on home loans

Gareth Hutchens Banks could pull back from lending to new home owners after making losses on mortgages.

John Collett

On a fair dinkum comparison, these rates are low

John Collett dinkus

John Collett The Commonwealth Bank’s 5-year fixed home loan interest rate of 4.99 certainly hit the headlines when it was announced on Wednesday.

GETTING STARTED

Cheaper to rent than buy? The debate continues

Property costs: the costs of owning a house are estimated to be higher than those of renting.

David Potts A recent paper suggested renting a home is now cheaper than buying. But it's not that straightforward.

GETTING STARTED

No need to be negative - it's high time to fix

David Potts Economists have changed their tune about interest rates and you may not want to hear it if you're trying to save.

Interest rates at the right setting

Mark Bouris dinkus.

Mark Bouris We owe far more than we earn, but is there any need to restrict the housing market?

GETTING STARTED

Why we all need to give a damn about the less well off

MONEY 040219 AFR PICTURE BY Gabriele Charotte / afrphotos.com   GENERIC money, purse, savings, bank, atm, economy, interest rates, home loan, wages, salary, superannuation, bills, notes, pay, coins  AFR FIRST USE ONLY afrphotos.com SPECIALX 23452

Penny Pryor Helping break the poverty trap for people with small interest-free loans, will benefit the whole country in the long run.

BORROWING

How to cut your mortgage in eight steps

Mark Bouris dinkus.

Mark Bouris Could you save money on your mortgage? Ask yourself some simple questions to find out.

GET AHEAD

Take a ride on the low-interest train

Mark Bouris Take advantage of the cheap cash-rate environment while it lasts.

FIGHTING BACK

Bankruptcy effects long-lasting

Vanessa Hall declared herself bankrupt at 20.

Christine Long At just 20, Vanessa Hall declared herself bankrupt. She's still paying for that decision.

RATES

Bond boom pulls down rates as banks sit pat

David Potts dinkus.

David Potts The truth is the market is becoming less convinced there'll even be a rise next year.

MORTGAGES

Beyond the big four banks

Karl Hilzinger colour cartoon.

Christine Long Love to hate the major banks? Three alternatives seek to challenge the status quo.

PROPERTY

Patience suggested as property sales rush eases

Penny Pryor dinkus.

Penny Pryor It's a time for wait-and-see, especially for first-home buyers - your net wealth will thank you.

Borrowing tips for self-employed, contractors

Mark Bouris dinkus.

Mark Bouris Contractors and the self-employed face more obstacles than wage earners when it comes to home loans. Here's how to make the process easier.

PROPERTY

Head over heart the best tip

Melissa Browne Buy a new place, and rent out the old one? Make sure it is a financially sound move.

LOW-DEPOSIT LOANS

Seeking to get a foot in the door

Christine Long For first home buyers battling to get into Australia's competitive property markets, 95 per cent home loans can offer a doorway in. But borrowers should do their homework first.

MORTGAGES

How to ask for more money

Mortgage.

Christine Long Doing some home improvements or getting a new set of wheels doesn't have to trigger a complete mortgage makeover.

INSIGHT

Light at the end of the tunnel for savers

Clancy Yeates You wouldn't guess it but almost two-thirds of households don't have a mortgage.