Up front negotiation can make a huge difference to the price you pay for "the rental" of your money. In following few examples, you can see how, with a bit of planning, you really can save a huge amount of money on a home loan, even without trying very hard.To achieve it, you are working with two objectives. The first is to get the lowest possible interest rate you can. The second is to pay off as much as you can as quickly as you can. To make this work, you only need to find $29.46 per week on $300,000 loan!Professional Packages (Variable rate) Nearly all major lenders now offer what are commonly referred to as "Professional Packages". If you want a variable interest rate loan and your home loan is of a reasonable size (more than $150,000), you will find that you can get some great discounts off the standard variable rates. At $150,000 you should be able to get around 0.5% off a lender's standard variable rate and, when you get into loans at around $250,000-$300,000, you can get up to 0.7% off their standard variable rate*. Larger loans can attract even greater discounts.Simple mathematics saves you interest In this scenario, you can see how the interest payable for a person borrowing $300,000 over a 30-year period is impacted firstly by interest rate and secondly by making a consistently higher monthly payment. By simply negotiating the Professional Pack, the interest rate and fees differential is $46,009.81. But if you were to still pay just $126.69 extra each month, you would not only save $174,483.66 in interest and fees, but you would shave 5 years and eight months off your home loan. How to save over $137,000 interest