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04/25/2017 10:42 am ET
Tim Wimborne / Reuters

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European audiences just take in a story outside of the superhero genre a lot more easily than western readers do but readers tastes are changing in the west I think. The advantage of variable rates is that they usually (but not always) go down if the cash rate decreases, which reduces the amount of interest you pay. Gone are the days you have to spend your day worrying whether you turned them off as most of them have a handy sleep mode, and many have temperature gauges so you can choose which best suits your hair type.

Interest will accrue on the new loan and you will still need to make your normal repayments on your existing home loan. Adam was called to the Bar in 1994 and specialises in criminal law, advising across the whole spectrum of criminal cases. For example, a super fund cannot offer you tickets to a sporting event or discounted rates on loans on the condition you sign up new employees to their fund.