Our early Christmas present: refinancing our home loan

By Caitlin Fitzsimmons
Updated January 17 2017 - 10:23am, first published December 4 2016 - 12:15am
A better mortgage rate? I'll drink to that.
A better mortgage rate? I'll drink to that.

Our Christmas tree (a real one, of course) arrived this weekend and there are already a few presents underneath.

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