Are you paying too much interest on your debt?

Do you know the interest rate you're paying on your mortgage, credit card or personal loan? It's worth checking because banks will discount their variable mortgage rate by up to 1 per cent if you ask, or threaten to take your debt elsewhere.

Even if you have no luck there, can show you what else is on offer. Variable rates start as low as 5.09 per cent or you can fix for one year for even less. Thanks to the abolition of deferred establishment fees, refinancing has become much cheaper.

Source: Sydney Morning Herald

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