Not so fast...in the face of a growing refinancing culture, lenders are now inventing innovative tactics to keep you on board for longer. A trend that began in the non-conforming sector, 100% borrowers are now being offered the chance to move to a lower rate after three years if they meet all their repayments on time. The beauty of these schemes is that you can get that cheaper rate without having to pay a deferred establishment fee for leaving your current lender - but will you actually save money in the long run by staying loyal?

It can be confusing to know whether to get a variable rate or fixed rate mortgage, and what features are important. That's why it's important to not only check the right rates, but make sure that you're getting the right features in your home loan. Get help choosing the right home loan