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You're paying five point nine percent on your current home loan. You could save by refinancing.

It means switching your loan to a different lender who offers a lower interest rate. This can save you thousands over the life of the loan.

On a five hundred thousand dollar loan, saving one percent interest saves around five thousand per year — that's about one hundred dollars per week.

There may be discharge fees from your current lender and application fees for the new loan. But many lenders now offer cashback deals that offset these costs.

Fixed gives certainty — your rate doesn't change for two to five years. Variable can go up or down but offers more flexibility like extra repayments.