Federal and State Governments may be handing out incentives left, right and centre, but this doesn't mean that you no longer need to prepare an extensive cost analysis before buying a home.

The costs involved in buying a property can go all the way up to 11% of the purchase price for some people. If you have a $44,000 deposit for your $400,000 home, that's your entire deposit spent on costs.

If you're a first homebuyer, the costs can be eased by the first home Owners Grant, but bear in mind that the miscellaneous expenses could really weigh on your finances.

In the current issue of Your Mortgage, we show you how to prepare for the costs ahead - so pick up a copy at your local newsagency or supermarket TODAY!

With interest rates at their lowest for more than 50 years, there are some great rates available. The best thing to do is to compare rates from all the lenders. Let us help take the leg work out of doing this - Compare Home Loans now