Since 2022, interest rates have risen significantly. If you haven't reviewed your home loan recently, you could be on a rate that no longer reflects what's available in the market. A review takes minutes and costs you nothing.
Here's what's happened to mortgage repayments — and why it matters to you.
The RBA has raised the cash rate multiple times since May 2022, pushing mortgage rates significantly higher. If your loan was set years ago, your rate may no longer be competitive.
A $600K loan that cost approximately $2,200/month in early 2022 now costs around $3,400/month at current rates — that's a significant impact on your household budget.
Many borrowers are still on the rate they were given at settlement, even though their lender's new-customer rates may be lower. This is sometimes called the "loyalty tax."
Sometimes a retention rate from your current lender is the solution. We can help you negotiate — or find a genuinely better alternative if one exists.
Existing customers often pay higher rates than new ones with the same lender. A regular loan review helps ensure you're on a rate that reflects your current position — not just the rate you were given years ago.
These are the most common reasons people delay reviewing their loan. We hear them every day — and we have honest answers for each.
A review takes 15 minutes. We do all the research and comparison work. You give us the basics, and we come back to you with clear options.
15 minutes could improve your position for yearsFixed rates eventually expire. Planning ahead means you're ready when they do. And some fixed-rate exit costs may be offset by the benefits of switching to a more competitive product.
Planning ahead puts you in controlWe model the true cost vs benefit including ALL fees — discharge, application, settlement, and break costs. If the numbers don't work, we'll tell you honestly.
We only recommend refinancing when it makes senseMost lenders offer offset accounts. Your balance transfers — the money is yours, not the lender's. We ensure you move to a product with the features you need.
Your money moves with youWe handle the entire process — from research to application to settlement. You sign some documents. That's about it.
We do the hard work, you sign the paperworkSometimes they will — and that's a win too! But rate isn't everything. Features, flexibility, total cost, and ongoing service all matter. We help you look at the full picture.
Even a rate match from your bank is a win for youThree simple steps. No pressure. No obligation.
Tell us about your current loan, rate, and situation. We'll assess whether a review could benefit you — with no obligation to proceed.
We compare your current loan against options from 30+ lenders — factoring in rates, fees, features, and any switching costs. You get a clear picture.
If refinancing makes sense, we explain exactly how and handle the process. If it doesn't, we'll tell you that too. No pressure either way.
If any of these sound familiar, it may be time to see what's available.
You haven't reviewed your loan in 12+ months
Your fixed rate is expiring (or has recently expired and reverted to variable)
You're paying a rate higher than what you see advertised
Your lender has raised rates beyond the RBA increase
You've had a pay rise, promotion, or improved financial position
You want to access equity for renovation, investment, or other purposes
Your loan doesn't have an offset account and you have savings sitting in a regular account
You've paid down significant equity and still paying LMI or a higher rate from when your LVR was higher
We've helped thousands of Australians review and improve their home loan position.
Not just the big 4 — we search across major banks, non-bank lenders, and specialist providers to find the most suitable option.
Our clients consistently rate us 5 stars for our transparent, no-pressure approach and genuine care for their financial wellbeing.
Recognised as a finalist in the Small Business Champion Awards and Local Business Awards for our commitment to excellence.
Local teams who understand your market. Available for face-to-face or virtual consultations — whatever works for you.
There is no fee charged to you — we are paid a commission by the lender when your loan settles.
Fully accredited members of the Mortgage & Finance Association and the Australian Financial Complaints Authority. Connective aggregator.
It's called the "set and forget" mentality. You get your home loan, set up your direct debits, and don't think about it again for years. Life gets busy — and your loan just… sits there.
Banks count on this. They know most customers stay loyal even when their rates are no longer competitive. The difference between what new customers pay ("front book" rates) and what existing customers pay ("back book" rates) can be significant.
This isn't about constantly switching lenders. It's about knowing your options. A regular review — even annually — can help keep your loan competitive and ensure it still suits your situation.
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We offer 25+ home loan and finance solutions for every situation, profession, and lending challenge.
Browse All Services →Honest answers to the questions we hear most from homeowners considering a loan review.
Fill in your details and we'll review your current loan situation — typically within 24 hours. No obligation, no pressure.
One of our brokers will review your situation and be in touch within 24 hours. There's no obligation and no pressure — we'll give you an honest assessment of your options.