Check my loan
Know where you stand.
A loan check helps you understand whether your current home loan still suits you. The answer might be to stay, to ask for a review, or to explore a change.
Who this helps
- Anyone who has not looked at their home loan in a while
- People who have noticed a change in their repayments
- Borrowers with a fixed period ending soon
- People whose income, household or plans have changed
Three outcomes, equally valid
A good check does not assume the answer. Each of these can be the right result.
Stay where you are
Your loan may be working well. Knowing that is useful in itself.
Ask for a rate review
Request that your current lender reviews your pricing. Often less paperwork than moving.
Explore a refinance
Look at whether moving to a different loan or lender could suit you better, costs included.
What makes a review useful
A recent loan statement showing your balance, interest rate and loan type; your remaining term; whether any part is fixed and when that ends; the features you use, such as offset or redraw; and anything that has changed in your circumstances. You do not need any of this to start, only when you choose to go further.
How it would work
A short journey, with your decision at every step.
- 1
Tell us what prompted it
And what you would most like to understand.
- 2
See where you stand
A plain-language view of your loan and the paths open to you.
- 3
Choose, or do nothing
Stay, ask for a review or explore a change. All three are fine.
Questions
There is no fixed rule. Many people find it useful when something changes: a fixed period ending, a change in income or household, or a noticeable change in repayments.
No. Staying put and asking your lender for a review are just as valid as exploring a refinance. The check exists to help you decide, not to steer you.
Repricing is asking your current lender to review the interest rate on your existing loan, without moving it elsewhere.
A clear view of your loan.
