Review your Mortgage
Review your Mortgage
Your mortgage is likely your biggest expense, so it pays to make sure it’s still working for you. Interest rates, bank offers and your own circumstances change over time, and a loan that suited you a few years ago may not be the best option now.
We recommend reviewing your mortgage at least once a year, and always before a fixed rate ends. It’s free, and it could save you money.
What we look at
Your current interest rates and when your fixed terms end
How your loan is structured, including fixed and floating splits, offset or revolving credit options
Your repayments, and whether you could pay the loan off sooner
Your income, spending and future plans
The equity in your home
How a review could help you
Better rates. We’ll check whether your current bank will offer a sharper rate, or whether another lender would offer you a better deal.
Pay it off faster. A better rate or a smarter structure can help you become mortgage-free sooner without stretching your budget.
Switching banks. If moving lenders makes sense, we handle the process for you and help you weigh up any break fees or bank contributions.
Using your equity. You may be able to use the equity in your home to renovate, consolidate debt, or buy an investment property or holiday home.
Lower repayments. If your budget is under pressure, we can look at options to make your repayments more manageable.
Book your free review
We’ll look at your current situation, compare it with what’s available, and give you a clear plan, whether you make changes or not.
📞 021 579 324
Potential benefits of a mortgage review include:
Lower repayments. Your circumstances may have changed since you took out your loan. If your income has gone up or your property has risen in value, you may now qualify for a better interest rate. That could mean lower repayments each month.
Paying off your mortgage sooner. If you can get a lower rate, you could keep paying the same amount each month. More of each payment then goes off the loan itself, which can cut years and thousands of dollars of interest from your mortgage.
A better deal from another lender. A review shows whether your current bank is still competitive. If it isn’t, refinancing to another lender may get you a sharper rate, a cash contribution, or a loan structure that suits you better.
Using your equity. As you pay down your loan and your home grows in value, you build equity. That equity can help you buy an investment property or a holiday home, or fund renovations.
