Don’t pay more than you should

Get a Home Loan health check

Even if you’ve been with the same bank for a long time, that doesn’t mean they’ll always have the best home loan product for you. Getting locked into the wrong home loan can cost you thousands of dollars over the life of the loan.
When you first bought your home, the mortgage you got was a good choice for you. But things change in life, and so do home loan features and benefits.

We can make sure you’ve still got the right home loan and that you’re making the most of it – or we can recommend a better one for you.

A home loan should work for you. If you’re not getting the best value from your home loan, you always have the option to refinance..

Are You Still Comparing Refinancing Deals? Let Us Help You Simplify The Process.

Is it time to review your home loan?

Here’s what you need to consider when reviewing your home loan

Modern mortgages provide a plethora of features to help you manage and pay off your mortgage faster than the conventional 30 years.

Most Australians don’t know how these features function or which ones they need.

Our home loan specialists will help you find the right loan with features that best suit your current and future needs.

What’s your current mortgage rate? When borrowing hundreds of thousands of dollars, a home loan checkup is financially smart. Not all house loans are made equal, and it’s not as simple as comparing interest rates.

There are two rates to consider when re-evaluating the interest payable on your loan: interest rates and comparison rates.

Simply put, the annual interest rate doesn’t include costs. The comparative rate includes the yearly interest rate and most upfront and recurring expenses, so you know what to expect.

If you find a lower interest rate, don’t rush to change.

First, compare the two loan options and estimate mortgage repayments. Inform your existing lender you’re considering switching.

A good credit history and more than 20% home equity may help you negotiate. Make sure you understand which product is right home loan for you, as the costs of refinancing may outweigh the benefits from switching.

For many Australians the biggest recurrent expense is paying off a home loan, which can often take up to 30 years. But you shouldn’t just ‘set and forget’ the loan.
Running a few simple checks will help you decide whether your home loan is still right for you, or whether you should be looking for a better deal.

Let us do the work and find the right home loan solution for you!

Get a Home Loan health check

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