Break up the word mortgage into its two French components and you'll make the disconcerting discovery that Mort means death and Gage means pledge. So your mortgage is actually a 'death pledge'. Great. But need the process of committing to a home loan literally be a commitment for life? We explore some of the options available to you if you wish to save years and thousands off your mortgage, including the benefits of maximising your deposit, paying a lump sum, paying weekly or monthly, having a solid understanding of interest rates and taking advantage of professional packages. We also examine loan products that feature 100% offset accounts and line of credit. Will these features actually save you money in the long run? Perhaps a basic loan with minimal frills is more suitable for you? Your Mortgage has the answers.

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