Torn about what to do with your home loan? While fixing your home loan can offer you security and stability, opting for a variable rate can let you take advantage of interest rate drops. If only we could have the best of both worlds...
I think you already know where I'm going with this!

So you applied for a home loan. You waited anxiously for a week while the lender scoured your credit file, your pay slips, your bank statements and your loan documents, only for them to come back with a shake of the head and a big red 'X' on your application (figuratively speaking of course....