The Value of Ongoing Reviews with Your Broker

Getting a home loan isn’t a set‑and‑forget exercise. Interest rates, your personal circumstances and property values all change over time. Regular reviews with your broker can ensure your loan remains competitive and aligned with your goals.

• Rate monitoring:  Your broker keeps track of rate movements and can recommend refinancing or negotiating with your lender if your rate becomes uncompetitive.

• Life events:  Changes like marriage, starting a family, new job, or inheritance may prompt adjustments to your loan (e.g. extending the term or converting to a split loan).

• Investment strategy:  If you plan to buy an investment property or use equity, your broker will update your borrowing plan and ensure you have the right loan structure.

• Loan features:  Brokers can help you decide if it’s worth adding or removing features (offset accounts, redraw facilities) as your financial situation evolves.

  
  

An annual mortgage health check with your broker can save you thousands over the life of your loan and give you confidence that you’re making the most of your finances.