Current rate and fees
Check whether your rate, package fee, annual fee or ongoing costs still make sense.
Loan health check
Annual loan review
A yearly review is a check-up, not a push to refinance. It helps confirm whether your current loan still fits your rate, repayments, features, equity and next plans.
Broker-led review
Treat the loan like something that needs maintenance.
Your income, repayments, property value, family plans and lender offers can change even when the loan itself feels unchanged. A yearly review keeps the next decision practical.
Annual loan health check
Repayment amount
Review whether the repayment still fits your household cash flow and plans.
Remaining term
Check whether a term reset, extra repayment plan or refinance comparison would affect total interest.
Equity position
Estimate whether property value and loan balance have changed enough to alter LVR or options.
Offset or redraw use
If you have features, check whether you are actually using them enough to justify the loan setup.
Upcoming changes
Flag fixed-rate expiry, income changes, renovation plans, investment plans, family changes or new debts.
Possible outcomes
Stay with the current loan
Sometimes the current setup still fits and switching costs are not worth it.
Ask the current lender to review pricing
A repricing request may be a useful step before a full refinance comparison.
Restructure features
Offset, redraw, split loans or repayment changes may be worth reviewing before moving lender.
Compare refinance options
If the current loan no longer fits, a broker can compare alternatives and switch costs.
When to stay put may be sensible
Costs outweigh the benefit
If switch costs take too long to recover, staying or repricing may be more practical.
You need stability for another decision
Upcoming sale, job change, parental leave or business change may affect the right timing.
The current features matter
A cheaper loan may not help if it loses the offset, redraw, split or repayment flexibility you rely on.
Useful next checks
Use calculators and related pages as preparation only. The figures are estimates and need broker and lender review before you rely on them.
CalculatorHome loan repayment calculatorTest whether a loan amount, rate, term, and repayment type feel workable before taking the numbers further.Best forChecking repayment comfort across purchase, refinance, or rate-change scenarios.Estimate only. A broker still needs to check lender policy and fit.Open calculator CalculatorHome equity calculatorEstimate total and usable equity before planning a refinance, investment property, renovation, or loan review.Best forChecking whether equity may support the next conversation without assuming it is available.Estimate only. A broker still needs to check lender policy and fit.Open calculator CalculatorOffset account calculatorEstimate how money held in offset may reduce interest over time compared with leaving the loan unchanged.Best forChecking whether savings could work harder inside the loan structure.Estimate only. A broker still needs to check lender policy and fit.Open calculator CalculatorRefinance savings calculatorCompare the current loan with a new-rate scenario and see whether switching costs may be recovered.Best forDeciding whether a refinance is worth a broker review before starting lender work.Estimate only. A broker still needs to check lender policy and fit.Open calculator
Ready for a refinance review?
Turn the refinance question into a broker review.
Quick Check collects the basic context for emoney. It is not a loan application, approval, credit advice or a loan recommendation.
Refinance FAQ
Questions borrowers ask before changing loans
Does a loan review mean I have to refinance?
No. A review may lead to staying with the current loan, asking for a rate review, restructuring, preparing documents or comparing refinance options.
What should I bring to an annual loan review?
Bring recent loan details, current rate, repayments, income changes, debt details, offset or redraw information and any plans for renovation, investment or moving.
Can existing emoney clients request a review?
Yes. Existing clients can use the review path to ask for a broker conversation about their current loan and upcoming plans.
Before changing
Check rate, costs, documents and timing first.
Refinance decisions are easier when the whole loan is reviewed, not only the advertised rate.