Despite what many lenders will have you believe, there are still loads of cheap loans out there in the marketplace. In this month's edition of Your Mortgage we show you where to find them, how to choose the right one for your situation and reveal how you can get the best value out of your loan.

If you are contemplating buying your first property but are waiting to see if the property prices will fall, then you better think again. Our infrastructure expert is predicting rocketing rents and renewed house price growth for 2009, as Australia's largest ever housing shortage strikes with a vengeance.

Our November issue also provides you with a step-by-step guide to long-term investing and outlines 10 secret steps to successful investing and building a wealth portfolio over your lifetime.

Our regular features include the Editor's Choice, state of the market and our loan comparison tables, where we compare over 1,900 mortgages. Make sure you get to your newsagent and pick up a copy of the November 2008 issue on sale now.