![Guarantor home loans: What are they and how can I apply?](http://cdn.mozo.com.au/redactor/pictures/9657/guarantor-home-loan_original.jpg)
Guarantor home loans: What are they and how can I apply?
With property prices around Australia skyrocketing and the cost of living going up too, saving up a deposit for a home seems to be getting harder by the day.
Read more![Home loan features in a nutshell](http://cdn.mozo.com.au/redactor/pictures/9653/home-loan-features_original.jpg)
Home loan features in a nutshell
As anyone who’s spent time shopping for a home loan understands, there’s more to a home loan than the headline rate. In this guide, we’ll run you through some of the features you should look out for to make sure your mortgage works for you.
Read more![Home loan terms explained](http://cdn.mozo.com.au/redactor/pictures/9648/home-loan-terms-explained_original.jpg)
Home loan terms explained
Taking out a home loan to purchase a property can be exciting, but what can often dampen your enthusiasm is all the complicated home loan jargon that gets thrown around in the process.
Read more![Lenders mortgage insurance: What is it and how is it calculated?](https://cdn.mozo.com.au/images/atwood/31/GettyImages-1382292866%202.png)
Lenders mortgage insurance: What is it and how is it calculated?
Saving for a home loan deposit can be seriously challenging in today’s market, so what happens if you’re struggling to meet the recommended 20% of the property’s value?
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Line of credit home loans
Have you built up some equity in your home through extra repayments or your property has appreciated in value? Then you could be eligible for a line of credit loan that allows you to draw on a portion of that amount to fund things like an upcoming renovation or new family car.
Read more![What is LVR? How loan-to-value ratios affect your home loan](https://cdn.mozo.com.au/images/atwood/27/what%20is%20LVR.png)
What is LVR? How loan-to-value ratios affect your home loan
The world of home loans has enough confusing terms and acronyms to fill a dictionary. So, if you’ve been researching home loans, one of the key terms you’ve probably come across is ‘loan-to-value ratio’.
Read more![Low doc home loans - a guide for the self employed](http://cdn.mozo.com.au/redactor/pictures/9655/low-doc-home-loan-self-employed_original.jpg)
Low doc home loans - a guide for the self employed
If you're a freelancer, self-employed worker, small business owner or contract worker, getting a standard home loan can be difficult when you don’t have proof of salary documents like payslips or group certificates. This is where a low doc home loan comes in.
Read more![What is an offset account, and how can it save you money?](https://cdn.mozo.com.au/images/atwood/57/2%20copy%202.png)
What is an offset account, and how can it save you money?
One of the more popular home loan features is an offset account. This useful tool help lower the amount of home loan interest you pay over the life of your mortgage.
Read more![Home loan repayments: principal and interest vs. interest-only](https://cdn.mozo.com.au/images/atwood/7435/principal%20&%20interest%20vs.%20interest-only.png)
Home loan repayments: principal and interest vs. interest-only
When paying off your home loan, you’ll be able to choose between two mortgage repayment options: principal and interest (P&I), or interest-only (IO).
Read more![Types of home loans in Australia](http://cdn.mozo.com.au/redactor/pictures/9651/type-of-home-loan_original.jpg)
Types of home loans in Australia
In Australia, there are plenty of different home loans available to cater to different borrowers. Below, we break down the main types of home loans out there to help you find the one that suits your financial situation.
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