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Is your home loan healthy or sick?

After taking out a home loan, years may pass where you don’t give a second thought to whether or not it still fits your circumstances.

But circumstances change. Your income may have increased over the years. The kids may have left home leaving you with more expendable income. The value of your home might have risen considerably or you may simply no longer have the most competitive rate available to you.

For these reasons and more, it is advisable to have your mortgage assessed regularly. Some experts recommend once a year.

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A Home Loan Health Check Could Considerably Improve Your Position

For many, a home loan represents a large proportion of their outgoings. If loan repayments could be reduced, interest rates change or if new tax benefits become available, it is important that you know how to take advantage of the possibilities.

A Home Loan Republic broker can help you decide whether or not your current mortgage is still right for you.

Enquire Now or call 0499 902 735

Home loan health tips

  1. If you don’t have a long-term financial plan, consider drawing one up. It doesn’t have to be complicated. Just list your financial goals and how you expect to reach them. Consider salary, expenses, investments and funding your retirement.
  2. Write down all your outgoings and expenses. Take everything into account from food and drinks to clothing, fuel, household bills, entertainment and insurance premiums. Total it all for a period of either a month or a year and compare it with your total income for the same period.
  3. Take a special look at any loans – including the mortgage – credit cards and any other debts. Making changes to how you pay off debt can save you money.

Enquire Now or call 0499 902 735

Get Your Free Home Loan Health Check

At Home Loan Republic, we regularly save our clients thousands of dollars by assessing their current home loan situation and taking advantage of better deals. Arrange your own Home Loan Health Check today and reap the benefits.

Enquire about a FREE Home Loan Health Check or call 0499 902 735

Get in touch with a Home Loan Republic mortgage broker about the health of your current home loan.
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