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make empowered choices by understanding your employee benefits better your success is our business employee matters is sponsored by momentum corporate here for your journey to success weve seen the knock-on effect of the kovit-19 pandemic ripple through many industries and different parts of our lives now while the pandemic havoc on the economy at least one positive is record low interest rates allowing more people to enter the property market unfortunately home loans can still be hard to come by so ive invited an expect to let us in on a well-kept secret something called a pension-backed home loan guarantee [Music] welcome um for quite some time now were hearing that this afghan property market is a buyers market what does that mean you know dan the truth is uh current retirement current interest rates are really at an all-time low so so were talking about record levels in terms of our interest rates and what that really means for a potential home buyer is that investing in a hom