SA Homeloans - new homeowners beware

Home owners beware -I bought a house last year and followed my agents advice to go with SA homeloans ( please do not follow my example). I was excited saw my interest rate and off I went. Imagine my surprise when my first installment was alot more than the initial contract explained to me and only then did I find out how much they DID NOT explain to me upfront. Please read further for my tale of woe SA homeloans actually reviews your interest rate 4 times a year. You are then expected to inform your HR 4 times a year that your payment is changing (not sure if this is government only) By the time the centralised HR has made the change, it is time for the new review. I can tell you this is already problematic as they dont want to do it . Secondly they pretty much force you to take home insurance with them. They make all the stipulations and you pretty much sign on the dotted line. Thirdly my bond changes 4 times a year and mostly at an upwards trajectory I have to say my initial reaction was to move my bond but that is obviously not feasible. If all this had been explained to me upfront I would never have signed with them as I feel that they are taking away my free choice, inflicting a huge administrative burden on a department I do not control and who knows what kind experience I will have should I ever have to make use of the homeowners insurance.