Adam - "I know this is going to get me in trouble with my Fiance but as a lawyer, she is pragmatic and will appreciate the commonsense of this post, even if it is not romantic!"

With Valentines Day coming along tomorrow, there is no better gift for the loved one in your life than to save them money on their home loan. Perhaps it's the mortgage you share with a husband or wife or you happen to have a crush on someone at work. Home loan savings keep putting money in your pocket for years, long after the roses have wilted.

Say you've got an existing home loan of $250,000 and the bank is offering a 2 year fixed rate of 5.95%. Talk to us and we can negotiate a discount off the advertised rate, depending on your situation this could be as much as .3% or .4%... more off floating rates. .30% off a loan that size would save $63 per month, or $750 per year. You could buy a nice box of chocolates or a single red rose every week for that kind of money.

If you're buying a new house it gets even better. We can get the above discounts or more, along with cash back incentives. These generally range between $1000 and $3000 depending on your loan size and other details of your borrowing. That sort of cash can buy you a lot of romance!

So if you, or anyone you know needs a new home loan or would like a review of their current one to find a better deal then please pass our details to them or send us their details and we'll get in touch.

To keep in the Valentines spirit, if you refer someone to us this month and they draw down a new loan, we'll give you a nice bunch of flowers or a voucher for a nice dinner out somewhere, so you can do something extra special for that someone in your life.

We hope you all have a wonderful Valentines Day and the joy of others puts a smile on your face, too. Adam does have something special planned for his Fiance, he's not just a heartless numbers man, despite his initial comments!