Home Loan Review: Is Your Mortgage Still Working for You?
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Introduction
Your needs change over time, and so do lender rates and loan features. A regular home loan review from OM FINANCIAL SERVICES checks whether your current interest rate, repayments and loan structure still suit your life. If you could be paying less, we will show you how.
What Is Included in Our Home Loan Review?
We look at your current rate, fees, loan term, repayment type and features such as offset accounts and redraw. We then compare your loan against competitive home loan options from our lender panel and show you the potential savings, so you can decide with clear numbers in front of you.
If a better deal is available, we can help you negotiate with your current lender or refinance your home loan with a new one. If your loan is already competitive, we will tell you honestly and help you keep it that way.
Benefits of Refinancing Your Home Loan
- Check if your interest rate is still competitive
- Compare refinance deals from 50+ lenders
- Consolidate debts into one manageable loan
- Access home equity for renovations or investing
- Switch between fixed, variable or split rates
- Add features like an offset account or redraw
- Clear cost-versus-saving comparison before you switch
- We manage the application and lender paperwork
- Smooth transition from your old loan to your new one
- Ongoing support from a trusted refinance broker
Refinancing FAQs
Savings depend on your loan size, current rate and the new lender's offer. We run the numbers, including switching costs, so you can see your real potential saving. You can also try our refinance feasibility calculator.
Costs can include discharge fees, application fees and, in some cases, break costs on fixed loans. We explain every cost upfront so you can judge whether refinancing is worthwhile.
Many refinances take a few weeks from application to settlement, depending on the lender and how quickly documents are provided.
Yes, but you may face break costs if you leave early. We check these costs and may suggest waiting until your fixed term ends if that saves you more.
Ready to Review Your Home Loan? Find a Better Mortgage Solution Today
