are paying on your home loan, every little bit counts and so you can use the little savings on other financial services to turn them into big savings on your home loan. There are also "professional" packages on offer for amounts over a certain limit, which can be as little as $150,000. There are all sorts of discounts and reductions attached to these packages so make sure you ask your lender about them. 7. Consolidate your debts One of the best ways of ensuring you continue to pay off your loan quickly is to protect yourself against interest rate rises. If your home loan rate starts to rise, you can be absolutely positive about one thing - your personal loan rate will rise and so will your credit card rate and any hire purchase rate you may happen to have. This is not a good thing as the interest rates on your credit cards and personal loans are much higher than the interest rate on your home loan. Many lenders will allow you to consolidate - re-finance - all of your debt under the umbrella of your home loan. This means that instead of paying 15 to 20 per cent on your credit card or personal loan, you can transfer these debts to your home loan and pay it off at 7.07 per cent. As always, any extra repayments or lump sums will benefit you in the long run. 8. Split your loan Many borrowers worry about interest rates and