Photo Credit vittaya pinpan Home loan rates are everywhere at the moment. Some lenders are advertising variable rates below 6%. Others are offering cashback to attract new customers. Fixed rates are back in the conversation, and every change in the cash rate brings another round of headlines about how much borrowers could save by refinancing. If your home loan rate starts with a six, it’s reasonable to wonder whether you’re paying too much. But there’s a more useful question

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When you start shopping around for a home loan, you’ll quickly discover there’s more choice than just the “big four” banks. A growing number of non-bank lenders—ranging from credit unions to online lenders and specialist mortgage providers—are competing for a slice of the market.

For many Australians, refinancing every few years helps ensure their loan keeps pace with the market, avoiding the “loyalty tax” that...

Whether it’s lowering repayments, accessing better features, or paying off your home sooner, the benefits of a home loan review are real and often significant.

With no income caps and higher property price limits, the First Home Buyer Scheme is opening up opportunities for a much wider group of Australians.