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Loan Review

Review your current home loan.

Check rate, repayments, term, loan features, equity, fees and future plans before deciding whether refinancing is worth reviewing.

  • Current rate
  • Repayment amount
  • Remaining term
  • Offset and redraw
Check my current loanEstimate refinance savings

The useful review starts here.

Use this page to prepare the right questions before a broker checks policy, documents and lender options.

Run a current-loan health check

Start with the loan you already have. The rate, repayment, term, fixed or variable setup, features and equity position all affect whether changing loans is worth a closer look.

  • Current rate
  • Monthly repayment
  • Remaining term
  • Fixed, variable or split
  • Offset and redraw
  • Equity position

Check whether the loan still fits

A loan can drift out of fit when rates change, income changes, savings build up, fixed periods end, debts change or future plans shift.

Use the review to choose the next step

The answer may be stay, reprice, restructure, compare lenders, prepare documents or wait. The review should not assume refinancing is automatically right.

Current loan health check

Use this as preparation only. A broker can check which items matter for your borrower and lender path.

Current rate and comparison rate.
Repayment amount and repayment frequency.
Remaining loan term.
Fixed, variable or split structure.
Offset or redraw balance and how often you use it.
Estimated property value and current loan balance.
Discharge fees, break costs and other switch costs.
Future plans such as renovating, investing, selling or consolidating debt.

Tools for the next check.

Use calculators for estimates, then check fees, policy and documents before relying on the result.

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 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
PageLook for a better rateCompare the rate properly.PageFixed rate endingReview before the loan rolls over.PageAnnual loan reviewMake review timing a habit.

General information only. Calculator results are estimates, not approval, credit advice or a loan recommendation. A broker can review lender policy, documents, valuation, costs and suitability before you act.

Common questions

Common refinance questions.

Does a loan review mean I have to refinance?

No. A useful review checks whether staying, repricing, restructuring or comparing lenders may be worth considering.

How often should I review my loan?

Many borrowers review annually or when rates, income, debts, loan features, fixed periods or future plans change.

Ready for a refinance review?

Turn the refinance question into a broker review.

Send the goal, timing and current-loan context through Quick Check. Emoney can help work out what to review next.

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