By Gillian Bullock, ninemsn Money

While the cash interest rate may be on the way down this year, commercial banks may not mirror the Reserve Bank's moves, so how can you make your current home loan more manageable?

Warren O'Rourke, national manager corporate affairs at Mortgage Choice, believes there are a number of ways to reduce the pressure.

Two groups of property investors wish to withdraw their funds from the sector.  The first group are the investors in mortgage trusts who wanted to to redeem their shares in those trusts in November 2008.  The second group are the international banks which we are told wish to withdraw from syndicated loans to property investment companies.  The contrast in the Federal Government’s assistance to these investors is quite interesting.

The Government guarantee of Australian bank deposits was introduced in October of last year.  Soon after the mortgage trusts and other property trusts ran into difficulty meeting requests for redemption of units.  Many of the trusts were unable to free up enough cash and were forced to freeze redemptions.