Why does it matter?
Your home loan impacts your financial wellbeing every day. Over time, interest rates shift, lenders introduce new products, and your own circumstances change. If you don’t review your loan regularly, you could be paying more than necessary or missing out on features that make life easier.
How interest rates and lending options change
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Interest rates fluctuate with market conditions and Reserve Bank decisions. Even a small change can affect your repayments significantly.
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New loan products and features are introduced often. From flexible repayment options to offset accounts that help reduce interest.
Tips for tracking your loan
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Set reminders to check your loan details every few months.
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Monitor your statements for changes in interest or fees.
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Compare your current rate with what’s available in the market.
How often should you review?
A good rule of thumb is at least once a year, or sooner if your circumstances change. For example, a new job, growing family, or major financial goal.
Simple, but effective.
A home loan review can help you:
✅ Ensure your rate is competitive
✅ Align repayments with your lifestyle
✅ Explore options that support your future plans
Ready to take action? Don’t wait, book your home loan health check today. It’s quick, obligation-free, and could save you thousands.