The RBA has held the cash rate at 4.35% since June, yet Macquarie, NAB, ANZ and ING have all trimmed fixed home loan rates in recent weeks. Here's what's really driving the moves and what it means for your next home loan.

Consolidating a car loan into your mortgage can free up $456 a month - or quietly cost you $77,000. The difference is one decision.

Refinancing sounds straightforward — but done at the wrong time or for the wrong reasons, it can cost more than it saves. Perth mortgage broker Ian Freeman explains the break-even calculation, the loyalty tax, and exactly when refinancing makes sense.