Your mortgage

Independent and trusted guides, reviews and comparisons to help you choose the right home loan, understand different mortgage products and avoid mortgage stress.

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How to choose the right home loan

Use our tips to negotiate the mortgage maze.

4 Dec 2014 | Top basic, standard or fixed rate mortgage - which is best for you? CHOICE explains the features you need to look for when choosing a home loan.

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Using mortgage brokers

How to avoid the traps and get the most from a mortgage broker when shopping around for a home loan.

19 Nov 2014 | If brokers’ advertisements and claims are to be believed, they’re the answer for anyone seeking a loan to suit their circumstances.

Save a deposit for your first home with a first home saver account

First home saver accounts abolished

CHOICE explains how the 2014-15 Budget will affect first home saver account holders.

15 May 2014 | First home buyers have it harder than ever before. Now the first home saver account has been cut.

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Banks offer risky home loans

Banks are approving home loans that can get you into serious trouble when interest rates go up.

6 May 2014 | Banks and other lenders have loosened strict lending guidelines and are once again approving risky loans such as no deposit home loans, 40-year loans and mortgages with a guarantee for first-home buyers.

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Top 5 fixed interest rate home loans compared

Fixed interest rates for home loans are currently at historical lows, but beware of the fees.

22 Apr 2014 | To take a fixed interest rate for all or part of your loan can protect you against rates going up.

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Mortgage tips

We tell you how to secure the best mortgage deal.

25 Jun 2013 | We give you tips and advice for what you need to know before taking out a new mortgage or switching mortgages, and explain how your mortgage is funded.

Mortgage debt

Fretting about mortgage debt?

Australian households have experienced a spike in debt over the last two decades.

12 Apr 2013 | We look into the trend of a rising debt-to-income ratio in Australia. What's behind it, and what can you do to minimise your own mortgage debt?

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Home loan fact sheet shadow shop

The results of our key facts sheet shadow shop were unpleasantly surprising.

19 Feb 2012 | While most of the institutions we visited do provide key fact sheets on their websites, overall it seems that bank staff have little or no idea the fact sheets even exist.

Refinancing-your-home-LEAD

Refinancing your home loan

We uncover the path to finding the best mortgage and making the most of your money.

16 Sep 2011 | Switch and save and take a fresh look at the interest rates on your home loan. We take you through the basics and present some easy options to put you on the fast track to a better deal.

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Reverse mortgages

A reverse mortgage can help fund your retirement. CHOICE outlines the risks.

2 Nov 2010 | Reverse mortgages target homeowners aged 60 and older who want to borrow money against the value of their property.

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Polls

 
 

Have you recently asked your bank for a better home loan rate?

  
13%
 
Yes - and I got one
  
15%
 
Yes - but no go
  
70%
 
No

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