The past couple of years have seen a major upheaval in the lending landscape. Consecutive interest rate rises have driven mortgage repayments up and tightened lending criteria.

Coupled with the increasing cost of living, there’s no doubt this has made things more challenging for home owners, prompting many to look at how they can claw some of their money back by refinancing their home loans.

Certainly, done correctly, switching loans can add up to big savings over the long term. So, here’s the lowdown on how to refinance and find a loan that’s right for you.

Choosing a builder for a new home can be time-consuming, but it’s well worth the effort considering the amount of money involved, because making the right choice for you will directly influence not only the build quality of your home but also your enjoyment of the whole process.

Here’s a few pointers that will help you decide which builder is right for you.

Buying your first home is one of the most exciting times in your life. But equally, working out how to finance it can be quite daunting and challenging. So we’ve put together a general checklist of information to help you to navigate your savings journey – and hopefully make the process as seamless as possible.

Identify your Budget.

The first thing you need to do is determine is how much you can borrow.