Have you Conducted a Mortgage Health Check Recently?

 A Mortgage health check is a free review of your mortgage to ensure it still meets your needs. With changing interest rates, new loan features, and shifts in your financial situation, you may be paying more than necessary. We compare your loan against current market options to see if you could save money or benefit from better terms.

• Interest Rates Have Changed – You could be on a higher rate than what’s available.

• Your Financial Situation Has Evolved – Your loan should align with your income, expenses, and goals.

• You Want to Pay Off Your Loan Faster – A better loan could help reduce interest and shorten your term.

• Debt Consolidation – Combining debts into your home loan can simplify repayments and lower costs.

• Better Loan Features – You might be missing out on offset accounts, redraw facilities, or flexible repayments.

• Fixed Rate Expiry – Reviewing your options before your fixed term ends can prevent rate increases.

Our loan health checks go beyond mortgages. We can also review your car loans, business loans, personal loans, and even tax debt to see if you’re paying too much. Chances are, we can find you a better deal and help you save money across multiple areas of your finances.

At Duty First Mortgages, we make managing your home loan easy by regularly reviewing your mortgage to keep you on the best deal. With access to a wide range of lenders and hands-on property investment experience, we tailor our guidance to your needs. Plus, we check in every six months to ensure you’re not overpaying—because banks won’t tell you when a better deal is available, but we will.

Having a chat with us doesn’t mean you have to switch lenders. We only recommend refinancing if it genuinely benefits you financially.