![Home loans that follow a benchmark interest rate are common in some countries, but not Australia.](/web/20170425075534im_/http://www.smh.com.au/content/dam/images/g/l/o/o/w/j/image.related.square.80x75.gvr9vv.10rdjm.png/1493105490680.jpg)
![After getting a refund, Conal Hanna is no longer grieving for his actual cash, just his pride in his budgetary acumen.](/web/20170425075534im_/http://www.smh.com.au/content/dam/images/g/v/r/7/l/n/image.related.square.80x75.gvi9l0.11w2dh.png/1493090669404.jpg)
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