Annual Loan Review

Your home loan rate should be reviewed every year.

Lendes change pricing all the time. An annual rate review is a simple, no-cost check that makes sure your rate is still competitive and shows you exactly what you could save if it isn’t.

Book your annual review See why it matters

Why review

A small conversation once a year can save you thousands.

Most people set and forget their home loan. But rates, fees, and your own circumstances change constantly. An annual review makes sure you’re not paying more than you need to.

A simple example
Loan balance	$520,000
Current rate	6.74%
Reviewed rate	6.24%
Monthly payment today	$3,589
Potential annual saving	$1,949
Over five years, that difference could add up to roughly $9,743. Figures shown are illustration only; actual savings depend on your loan and lender.

What it Means

Why an annual rate review matters.

A

Rates move every year

Lenders change pricing, introduce new products, and quietly stop oppering their best deals to existing customers. What was competitive twelve months ago may not be today.

B

Your situation changes.

A pay rise, a renovation, extra repayments, or a new investment can all change the loan structure that suits you best. A review makes sure you loan still fits.

C

Loyalty rarely gets rewarded

New borrowers often receive sharper pricing that long-standing customers. A quick comparison gives us leverage to ask your lender for a better deal or move you if they won’t

How it works

Four steps, no obligation.

01	We review your current loan Rate, fees, feature, and any restrictions. We also check what your lender is offering new customers right now.

02	We compare the market We run your scenario across a panel of lenders to see what’s genuinely available for someone in your position.

03	We negotiate on your behalf If your current lender can do better, we ask. If they can’t, we show you exactly what switching would like costs included.

04	You decide with clear numbers. You get a written comparison and our recommendation. There’s no pressure to switch, and no fee for review itself.

$0

Cost for your annual rate review

20 years

As accredited MFAA members

80+ years

of combination team experience

Make sure your rate Is still working for you

Book a short chat without team. We’ll review your loan, compare the market, and show you what’s possible with no pressure to switch.

Book your free rate review Call 1300 851 103

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