It’s all too easy to rack up debt – credit cards, HECS, car loans – and may seem all too hard to pay it off.

Debt can also have a big impact on how much money you can borrow for a home loan, so reducing your debt is essential when you set out to buy your first home.

Finding the right home loan for you

There are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage.