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.

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