Buying a new home? You’ll be familiar with endless trips to real estate agents, scouring the papers every week, and attending an endless parade of inspections and auctions. Let alone the “deposit saving barrier’’, selecting a mortgage provider and signing mounds of paper…

But when you finally find the right place, the one you know you can call home, the feeling of excitement and accomplishment is insurmountable.

Then the realisation hits. You begin to understand the magnitude of the financial commitment you have made.

• How do you know which home loan is right for you?
• Can you afford the repayments?
• What happens if you get sick and can’t work? How will you make your repayments then?
• Will you still be able to afford a few luxuries like holidays and new cars?

• investment services;
• lending services;
• financial protection;
• debt management; and
• budgeting and savings services.