The beginning of a new year is an ideal time to give your mortgage a health check, particularly if you took it out years ago when interest rates were higher and features like offset and redraw may not have been on offer. Is 2007 the time to refinance or consolidate your debts? If saving's the goal, sometimes it's the little things that count. By simply foregoing your daily coffee, pint or even lotto ticket, you could save thousands and years off your loan. Bringing your lunch from home twice a week could save you $57,419 in interest over an average 25-year loan. How about that long held resolve to break into property investment? Now is the perfect time to consider investing as many markets have turned the corner. We guide you through the ins and outs of researching the market, finding a property and managing expenses and tenants In this issue, Your Mortgage shows you tips and tricks on making your New Year's financial dreams become a reality.

Whether you are looking to buy your first home, move home, refinance, or invest in property, a mortgage broker can help. Access loans from all the major lenders, get help with paperwork – plus there is no charge for this service. Get help from a local mortgage broker