FREE Home Loan Health Check

FREE Home Loan Health Check - save time and money with an annual review

Many Aussies get stuck paying too much for their home loan with a “set and forget” approach to their mortgage. If you haven’t reviewed your home loan in awhile, you could be paying too much interest compared to other homeowners.

Reviewing the state of your home loan could mean saving thousands in extra interest every year. As it is generally the biggest monthly expense people have, we suggest you have a FREE home loan health check done with a professional mortgage broker once a year.

Have you had a home loan health check?

A mortgage health check or home loan health check is a process where your home loan is reviewed by a professional mortgage broker to check if it still best suits your current personal and financial situation. It’s a quick and simple check-in with your mortgage broker and we do all the heavy lifting for you to ensure you have the best home loan for you. There are no rules on having to stay with the same lender your entire mortgage, or, how many times you can review your home loan.

As circumstances change like new loan products constantly being introduced to the market, interest rates fluctuating for all types of home loans, or your lifestyle and priorities shifting, the original deal may no longer be ideal for your needs.

A home loan check can help you evaluate things and make better, informed decisions.

Why you need a home loan health check TODAY

As regular home loan health checks allow you to turn every stone of your home loan, it gives you a lot of opportunities to:

Save on interest rates and the total cost of your mortgage

You can use tens, even hundreds of thousands of dollars worth of savings to get on top of your other finances and improve your overall financial health.

Renovate or invest

The insights you get from a home loan health check can help you assess whether or not you can take on another project like a home renovation or a new property investment.

Consolidate your debt

Juggling with multiple debts and bills? A home loan health check can help you combine personal loans and credit card accounts into your home loan so you can decrease or remove additional account fees and management costs — allowing you to simplify your borrowing situation.

Refinance

If you're at the end of a fixed rate period for your mortgage, on a low doc, or any other type of specialist home loan, you may want to take some time to look into other home loan offers from another lender. Markets move, and there could be a loan solution with better features than the one you currently have.

Maximise your home loan features

Assessing your home loan liabilities may give you a new perspective on your current home loan features (some of them you may not be aware of!) so you can maximise them and make them fit your personal situation when life takes a new direction.

Be flexible

Lenders can offer attractive mortgage features like offset-redraw facilities, lump sum repayments, top ups, and online management tools as standard or optional upgrades. A home loan health check with your financial adviser allows you to access this kind of information and consider these options.

Check your property value and unlock equity in your home

Reviewing your home loan arrangements lets you know if your property’s value has increased and if you are in a position to access equity in your home.

How does a home loan health check work?

A home loan health check takes about 15-20 minutes. If this is your first home loan review, you will need to provide your property address as well as proper documentation of your repayment details including schedule and address to verify your balance. If you are already known to the mortgage experts at Sunshine Coast Financial Solutions, we’ll check everything for you.

Prior to enquiring for a home loan health check with a trusted broker, ask yourself first if you are looking to:

  • pay off your home loan faster;
  • getting major purchases soon;
  • save money on your mortgage;
  • change your financial situation within a year;
  • stop struggling with your current commitments; and
  • switch to a different lender.






    Get a FREE home loan health check from us!

    A do-it-yourself approach to assessing your home loan liabilities can yield more confusion and frustration. While it can be a great way to refinance your mortgage and evaluate your finances, it is only insightful when done properly and professionally.

    If you are unsure how to proceed, ask an expert! The mortgage specialists at Sunshine Coast Financial Solutions will help you with whatever questions you may have relating to your mortgage.

    Based on the information you provide, we will give you timely, appropriate advice on how to best approach your home loan situation and the next steps you can take to move forward.

    And we do this all — FOR FREE!

    FAQs

    The truth is anytime is a good time to get a home loan health check. You may feel more inclined to have one if your lender has raised your interest rate or if you feel swamped with your mortgage repayments, have a major lifestyle change, want to renovate or invest, or are looking at other home loan solutions.

    There are many reasons why borrowers opt out of home loan health checks. Some may feel overwhelmed with mortgage argons and consider themselves ill-equipped to understand the complexities of home loan features and their functions.

    Some may be unaware of how their mortgage works and the hidden wealth in their homes that can be accessed. Others simply do not feel the need to have a home loan health check nor have the time to have one.

    Whatever concerns you may have around your home loan health status, it is best to seek advice from a professional.

    Yes. Most home loans have various repayment options and generally speaking the quicker you pay it off and the more frequently you make repayments the faster your loan will be paid off. Paying off your loan faster can save you many thousands in interest.

    Yes. Refinancing your home loan can generally mean finding a lower rate and lower fees potentially saving you thousands. The best way to start is to find out what your current rate and fees are and let us show you a better plan.

    Got more questions? Feel free to ask! Just fill up the form below.






      Why Choose Us?

      Getting the best home loan solution for your personal circumstances entails finding the right mortgage broker to work with.

      Our team provides Sunshine Coast locals with a wide range of financial solutions in business and life. Our experience and first-hand knowledge of the financial industry puts you in good hands.

      Our key staff, Chris Wilson and Shanina Smyth, are known as some of the most highly-recommended and reliable lending specialists on the Sunshine Coast. They both have many years of experience in the financial services industry ensuring you get the best outcome for your needs.

      Best of all — we can do your home loan health checks FREE OF CHARGE.

      What Our Clients Have To Say About Us

      At Sunshine Coast Financial Solutions, our lending experts believe that every individual should have access to financial advice which is trustworthy and affordable. Our transparent and consistent service allows you to seek out the best fit financial solution that is tailored as per your needs.

      Sunshine Coast Financial Solutions - Mortgage Broker IconSunshine Coast Financial Solutions - Mortgage Broker

      12/61 Burnett Street, Buderim

      5.0 302 reviews

      • Avatar Patrick Howes ★★★★★ a week ago
        Good team and friendly service. Kept my application moving along quickly and always followed up. Got close the amount originally proposed. Would definitely recommend and use again.
      • Avatar bronwyn delaivuna ★★★★★ 3 weeks ago
        Daryl and the team have been so helpful in the process of buying our house. Being first time home owners we were walked through every step with finding the best bank for our needs and replying to my endless emails haha Daryl has gone above and beyond for us. Couldn’t recommend them more for their fast and efficient support in what is our biggest investment. Thank you
      • Avatar Mark Burdon ★★★★★ a week ago
        Chris & Daniel provided us with a great experience. Their communication and knowledge was excellent and they kept us informed throughout the entire process.
        We will definitely use their services again in the future.
        Thanks team!
      • Avatar Fiona Potter ★★★★★ in the last week
        Jo and her team are so helpful and guides you every step of the way. I have used them a number times and will always go back to them. Highly, highly recommend Sunshine Coast Financial Solutions.

      Speak With Us

      At Sunshine Coast Financial Solutions, we examine your current and future intentions, whether personal, company or investment, as part of getting you the best financing possible. We take into account your preferred level of risk, as well as your future earnings and professional goals.

      All of these considerations are critical in securing a loan that not only allows you to acquire this home, but also allows you to meet your financial obligations in the future without incurring additional fees, expenditures, or restrictions.

      You can also chat with a mortgage broker for help with your home buying, investing, or refinancing needs.