Your home loan is generally the largest among your fixed expenses each month. Make sure you lock in the best home loan at the best rates so that you don’t end up paying more when a cheaper alternative is available. Use the PropertyGuru Finance loan comparison tool to search, monitor and get updates on rate alerts. The mortgage market has never been the most transparent – for consumers, it is difficult to get data on home loans offered across all the different banks for us to compare what the best rates are. That is why the majority of first-time home buyers end up taking a mortgage with the banker that was referred or recommended to them by a friend or agent (one that does not necessarily give the lowest or most competitive rates). Depending on the terms of your mortgage contract, you may end up paying extra interest for a...