now, it is usually safe to say that inflation is also low. Thus, bricks and mortar may not be the best place to invest. Try getting the cheapest home loan you can find and make the minimum repayment. This allows you to use the extra cash to invest in other, more profitable areas areas. You may find that the return you get on shares or some other type of investment means that you have created a nice little nest egg which you can use to pay off a bigger chunk of your home loan than you might otherwise have been able to do. But beware - high returns often mean high risks. Before undertaking any investment, invest in a consultation with a qualified financial adviser. 15. Run an offset account Instead of earning interest, any money you have in your offset account works to offset the interest you are paying on your home loan. For example you may have a mortgage of $300,000 at 7.07 percent and an offset account with $50,000 in it earning 3 percent. This means that $250,000 of your loan is accruing interest at 7.07 percent but the rest is accruing interest at just over 4 percent (7.07 percent on your loan less the 3 percent the $50,000 in your offset account is earning). Imagine how much you can save! Of course, the best sort of offset account pays the same rate as your loan (100 per cent offset). 16. Pay all your mortgage fees and