Is It Time for a Mortgage Health Check?

For many homeowners, the mortgage is the biggest financial commitment they’ll ever make — yet once it’s set up, it’s easy to forget about it. Just like your car or your health, your mortgage benefits from a regular check-up.

Why a Mortgage Check Matters

Interest rates, bank policies, and your personal circumstances change over time. A mortgage that suited you five years ago may no longer be the most competitive or flexible option today. By reviewing your loan regularly, you could:

• Save money with a lower interest rate
• Reduce the length of your loan
• Access better features such as offset accounts or redraw facilities
• Consolidate other debts into your home loan for easier management
• Adjust repayments to better suit your current lifestyle
  
  

Signs It’s Time for a Review

You might benefit from a mortgage check if:

• You haven’t reviewed your loan in the last 12–24 months
• Your fixed term is coming to an end
• Interest rates have dropped since you locked in your loan
• You’re planning renovations or considering an investment property
• Your financial situation has changed (new job, family growth, or downsizing plans)
  
  

Professional Guidance You Can Trust

Navigating the mortgage market can be overwhelming with so many lenders and products to choose from. That’s why we recommend speaking with a trusted mortgage broker. Our recommended broker works closely with our clients to compare a wide range of lenders, ensuring you get the right loan structure for your needs — not just what your bank offers.

Take Control of Your Mortgage

A mortgage health check is quick, straightforward, and could save you thousands over the life of your loan. Whether you’re looking to refinance, invest, or simply make sure you’re still on the best deal, now is the perfect time to review your options. Contact us today and we’ll be happy to connect you with our recommended broker to arrange a no-obligation mortgage health check.