With so many options available to home buyers and property investors, how do you know where to go to find the right home loan. Should you speak to the banks directly, is it worth using a mortgage broker, talking to a non-bank lender or using an online electonic home loan provider. So many options to find a home loan and everyone is going to tell you something different. It will also depend on your personal situation.

No matter who you decide to obtain a home loan through, make sure you look for comparison rates, what fees need to be paid upfront and ongoing and ask for a further interest rate discount… something that may seem very small such as an additional .01% off the home loan can save you thousands of dollars over the love of the home loan.