If you have not reviewed your loan in a few years, your rate and features may no longer suit you. A review shows whether a better-suited option exists. We compare the whole cost of switching, including discharge and establishment fees and any features you would give up. If staying put is the better choice, we will tell you.
Who it suits
Homeowners and investors whose rate, repayments, goals or circumstances have changed since they last reviewed their loan.
Common purposes
- Reviewing your rate, repayments and loan features
- Rolling other debts into your home loan
- Releasing equity for renovations, investment or another approved purpose
What we work through with you
- Interest rate, comparison rate, fees and discharge costs
- Remaining loan term and the total cost over time
- Features or benefits you would gain or lose by switching
Documents to have ready
- Recent statements for your current loans
- Proof of income
- Property and liability details
- Living expense information
How we work
We start with a conversation about what you are trying to achieve and your timing. We then gather the information lenders will ask for and assess suitable options from our approved lender panel and relevant specialist channels. Before anything is lodged, you will know the costs, the trade-offs and why we are recommending an option. After that, we manage the application through to settlement.