Is Your Loan Still Working for You?
Get a free, no-obligation health check on your current mortgage to ensure you’re not paying too much.
The Risk of an Outdated Loan.
When you first get a home loan, you work hard to get a great rate. But after a few years, it’s easy to set and forget it. In a constantly changing market, that competitive loan you got a while ago might no longer be the best option. Without a regular review, you risk paying thousands of dollars more in interest than you should and missing out on new features that could benefit you.
Our Simple Loan Health Check.
Our free Loan Health Check provides you with the clarity and peace of mind you need. We’ll perform a comprehensive review of your current mortgage, comparing your interest rate, fees, and features against hundreds of loans on the market. In a simple, easy-to-read report, we’ll show you if your loan is still working for you and if there are any opportunities to save you money or improve your financial position.
The Benefits Go Beyond a Lower Rate
Here are three key ways a simple loan health check can improve your financial position:
Save Money
Even a small reduction in your interest rate can lead to thousands of dollars in savings over the life of your loan. We’ll compare your current rate against hundreds of products on the market to ensure you’re getting the most competitive deal available.
Access Equity
Your home’s value may have grown, and you can leverage that equity to achieve other financial goals. A loan review can show you how to access funds for a major renovation, a new car, or any other significant investment you have in mind.
Consolidate Debt
Simplify your financial life by rolling high-interest debts, like credit cards or personal loans, into your home loan. A loan health check can reveal how you can combine multiple payments into one simple, low-interest repayment, which can reduce your monthly costs and stress.
Get the Right Features
Your loan should work as hard as you do. A health check ensures that your mortgage has the features that matter to you, such as an offset account, redraw facility, or the ability to make extra repayments without penalty. We’ll show you how a better-structured loan can give you more financial control.
Next Steps
READY TO GET STARTED?
Our process is designed to be quick and easy, giving you the information you need to make a confident financial decision.
Step 1: Quick Chat
We start with a brief, confidential conversation about your current home loan. There’s no obligation and no pressure—just a quick chat to understand your situation.
Expert Review
We take your loan details and, behind the scenes, compare it against hundreds of loans from our network of lenders to see how it stacks up against the market.
Clear Report
Finally, we present you with a simple, easy-to-read report that shows you exactly what your potential savings could be and what options are available to you.
Ready to Have Confidence in Your Finances?
Frequently Asked Questions
How often should I review my loan?
We recommend a quick loan review at least once every 12 to 24 months. The mortgage market is always changing, and what was a great rate when you first got your loan may no longer be competitive. A regular check ensures you’re always on the best possible loan for your needs.
Is a loan review the same as refinancing?
No, they are not the same. A loan review is a free, no-obligation “health check” of your current mortgage to see if there are better options available. Refinancing is the process of formally applying for a new loan. Our review simply gives you the information you need to decide if refinancing is the right choice for you.
What if my current loan is still the best option?
If our review shows that your current loan is still the most competitive one for your needs, that’s great news! You’ll walk away with the confidence that you’re already on a great deal, at no cost and with no pressure. You’ll simply have the peace of mind that comes with knowing you’re not paying too much.
What information do you need for a review?
For your loan review, we only need a few key details about your current mortgage, such as your interest rate, loan amount, and the date you started it. We can usually find the rest of the information we need. The process is quick and simple and requires very little effort from you.