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Seven in 10 Australian mortgage holders have not stress tested their home loan. But don't stress, it's much easier to do than you think.

Most of us roll our eyes when we start seeing shopping centres spruik Christmas merchandise in November. While it's important not to get caught up in the festivities too early, now's actually a great time to start prepping to ensure a budget blow-out doesn't derail your mortgage repayments over the silly season.

When it comes to paying off your mortgage, many of us are in the dark as to where we should be making significant savings. A good place to start? Cutting down on ‘micro-transactions’.

Property owners and prospective first home buyers are increasingly in need of clear guidance on home lending as the housing markets in Melbourne and Sydney begin to cool, says the Housing Industry Association.