Mortgage Health Check

Why should I do a health check on my home loan?

Mortgage repayments usually represent most people’s single largest monthly expense, so it makes good sense to be concerned about the interest rate and fees you are paying. Or have you just sit with your loan for years without checking that it is still competitive?

Banks are constantly enhancing their product ranges. Many times there is a cheaper or more efficient product provided by the same lender. That means there is no need to refinance, just restructure within the same lender and save!

Sometimes it makes sense to refinance a loan to a new lender. But you have to take into account all the costs associated with a refinance and make sure that it makes financial sense to refinance the loan. It's quite complicated if you are not an expert.

Whether you are looking to:

  • make sure that your current home loan is the one that best suits you,
  • reduce your payments,
  • unlock the equity in your home or
  • consolidate some debts,

a Mortgage Health Check is a good place to start.

Compare Home Loans
Please enter the estimated value of the property

Important Information

Not all providers in the market are included in the comparison.

Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs.

How can Rate Detective help you?

By providing us with a few simple details about your current home loan we can then get to work on your Mortgage Health Check. Mortgage Health Check is free of charge and involves a comprehensive analysis of your current home loan, by one of our mortgage brokers. We'll compare home loans across a range of alternative mortgage products.

How does it work?

All you have to do is spend a few minutes filling in the form below and then we will:

  1. Compare your loan with home loans available from over 30 banks and lenders.
  2. Provide you with a report on the best options available, including information on interest rates, fees, monthly repayments, loan structures, terms and conditions of the loan as well as additional features.
  3. In case of savings (most likely), assist you with transferring your loan so it is as easy and hassle free as possible.

It takes only a minute to fill the form, but that saves hours of searching and comparing and thousands of dollars if you have an "unhealthy" mortgage.

AMP
AMP
ANZ
ANZ
Citibank
Citibank
ING Direct
ING Direct
NAB
NAB
St George Bank
St George Bank
Westpac
Westpac
Bank of Melbourne
Bank of Melbourne
Bank West
Bank West
Fastlend
Fastlend
Homeloans Limited
Homeloans Limited
Me Bank
Me Bank
Suncorp Bank
Suncorp Bank
Adelaide Bank
Adelaide Bank
Fighters Mutual Bank
Fighters Mutual Bank
FirstMac
FirstMac
Heritage Bank
Heritage Bank
Latrobe Financial
Latrobe Financial
Loan Avenue
Loan Avenue
UniBank
UniBank
Australian First Mortgage
Australian First Mortgage
Commonwealth Bank
Commonwealth Bank
Liberty Financial
Liberty Financial
Pepper Money Home loans
Pepper Money Home loans
Mortgage Mart
Mortgage Mart
Auswide Bank
Auswide Bank
BankSA
BankSA
Beyond Bank
Beyond Bank
Firefighters Mutual Bank
Firefighters Mutual Bank
My State
My State
Paramount
Paramount
Teachers Mutual Bank
Teachers Mutual Bank
Victorian Mortgage Group
Victorian Mortgage Group
Virgin Money
Virgin Money