Interest rates have changed
The market has moved since you settled. You could be on a higher rate than what's available to you now.
Free mortgage health check
Free mortgage health check: is your home loan still the right fit?
Your loan was right for you on the day you signed. Life moves, and so does the market. A free mortgage health check takes one relaxed chat, and having it doesn't mean you have to switch. Some lenders call it a home loan health check. It is the same free review.
The basics
What is a mortgage health check?
A mortgage health check is a free review of your home loan to make sure it still meets your needs. With interest rates moving, new loan features arriving and shifts in your own financial situation, you may be paying more than you need to. We compare your loan against current market options across a panel of 75 lenders to see whether you could do better, on price, on features, or both.
And here's the part people appreciate most: a chat costs you nothing and doesn't mean you have to switch. If your loan is already a good fit, we'll tell you straight and you can carry on with total peace of mind. We only recommend refinancing when it genuinely benefits you.
Six signs
Mortgage health check or home loan health check?
Same thing, different name. Whether your lender calls it a home loan health check, a loan review or a rate check, it is a look at whether the loan you have still stacks up against what is available now. Ours is free, takes one relaxed chat, and there is no obligation to move. If your loan is already the right fit, we will tell you so. Curious first? Try the refinance calculator or see how long your loan will take to repay, then read our five signs it is time for a health check.
When is it time for a health check?
If any of these sound familiar, it's worth a look. Most take one conversation to sort out.
Your situation has evolved
New job, new baby, new goals. Your loan should keep pace with your income, expenses and plans.
You want to pay it off faster
A better-structured loan can help reduce the interest you pay and shorten your term.
Debt consolidation
Combining debts into your home loan can simplify repayments and give your budget room to breathe.
Better loan features
You might be missing out on offset accounts, redraw facilities or more flexible repayments.
Your fixed rate is expiring
Reviewing your options before the fixed term ends beats rolling onto whatever comes next by default.
How it can play out
An illustrative example
Names and figures are illustrative only
Mark and Sarah had owned their home for about a year and hadn't looked at their loan since settlement. They assumed their bank would keep them on a competitive deal. A quick mortgage health check told a different story: sharper options were available elsewhere, and because their property's value had grown, their loan-to-value ratio had improved, opening the door to better pricing and terms.
We compared lenders, found a stronger fit and managed the switch from start to finish. In their case that meant a move to a lower rate, meaningful monthly savings, years' worth of interest avoided over the remaining term, and a more flexible loan structure tailored to how they actually live.
With the breathing room, they could make extra repayments, put the difference towards their goals, or simply enjoy a little more freedom each month. And because we keep in touch after settlement, the loan does not quietly drift out of date.
Beyond the mortgage
Not just home loans
Our loan health checks go further than 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 a better fit across more than one corner of your finances, all in the same conversation.
Reviewed, not forgottenWe check in after settlement
Why Duty First
Why have us do the checking?
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We review, you relax
We make managing your home loan easy by regularly reviewing it, so staying on a strong deal never depends on you finding a spare weekend.
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Wide lender panel, real experience
Access to a panel of 75 lenders plus hands-on property investment experience means guidance tailored to your needs, not a one-size answer.
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We check in after settlement
Banks rarely tell you when a better deal comes along. We keep in touch after settlement, at six, twelve and eighteen months, and we get in contact when your loan looks worth another look.
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No pressure, ever
A chat costs you nothing and doesn't mean you have to switch. We only recommend refinancing when it genuinely benefits you.
Takes one relaxed chat
Ready for your free health check?
Tell us a little about your loan and we'll do the legwork. If you're already on a great deal, you'll hear that too.