Home Loan Review & Refinance
Just like your circumstances, home loans change over time. A home loan health check helps ensure your loan is still competitive and correctly structured to support both your current needs and future goals.
Keeping your home loan aligned with your goals
Our approach begins with a clear understanding of your current circumstances, priorities and long-term goals. We then review your existing home loan to assess whether it continues to meet those needs, including its competitiveness within the broader market. As part of this process, we also conduct an internal home loan review with your current lender.
Once the review is complete, we compare your existing arrangement with alternative options that may better support your objectives, both now and into the future.
Common questions
What happens if an alternative option is much better suited to me?
The answer is simple. We will assist you with the refinance of your home loan from your current lender to the new lender.
Does that mean I have to complete a whole new loan application again?
Our process makes light work of applying for a new home loan. We will gather your information in a smooth and efficient manner so that you can continue with your day to day tasks with minimal interruption.
How often should I review my loan?
As a general guide, every one to two years, or whenever your circumstances change. A new job, a growing family, a renovation or a change in rates can all shift what the right loan looks like for you.
Is a health check the same as refinancing?
No. A health check is simply a review. If your current loan is still the right one, we will tell you so. Refinancing only happens where it is genuinely beneficial and better suited to your circumstances.
Worth knowing: Refinancing may involve costs such as discharge fees, application fees, valuation costs and potential break costs. These should be weighed against any potential benefits. A lower interest rate does not always result in overall savings.
Ongoing reviews, not a one-off
Once a valued QF Finance client, we are committed to ongoing reviews and keeping you informed so your loan continues to align with your evolving circumstances.
Book a no obligation consultation
Tell us where you are up to and we will map out your options and the smartest next step. Complimentary, no obligation to proceed.