If a loan has a very low interest rate, the chances are the fee structure is high. Similarly, if there are lots of features attached to the loan, you will usually pay for them via higher interest rates or more fees.

Michael Tsoa-Lee, director with Mates Rates Mortgages, believes structure is the first thing to get right before you choose your rate or lender.

For the complete story and analysis, check out the latest issue of Your Mortgage out on sale now.

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