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Worried about all those headlines about builders going bust? If you’re building a new home, you might be increasingly concerned about what happens when a builder goes into liquidation.

The surge in construction company collapses across Australia, including high-profile builders such as Porter Davis and Probuild, has understandably made homeowners and investors nervous about the future.

As we emerge from the season of indulgence and look ahead to the new year, we all know what’s next.

We can see the advertisements to ‘lose those Christmas kilos’ before they even arrive, luring us into gyms, booking sessions with a personal trainer or signing up to the latest fitness app.

And, because we all want to start the new year on a good note, we’re even more likely to sign on the dotted line than usual. But is it worth it?