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Most of us spend more time researching a new phone than we do reviewing our home loan. And yet for the average Australian household, a mortgage is the single biggest financial commitment they'll ever make. If you haven't looked at your home loan in the last two or three years, there's a reasonable chance it's no longer the best option available to you. Here's how to tell. The "Set and Forget" Trap It's incredibly common. You work hard to get your loan approved, breathe a sigh