Is your mortgage still
working for you?
When your fixed rate is coming up, you don't have to just take whatever your bank offers. A review could mean a fresh cash contribution, a sharper rate, or paying your loan off years sooner. It's free, and we compare across lenders.
Reasons people review
A mortgage you set up a few years ago isn't always the best one for you today. Here's what a review can turn up.
A fresh cash contribution
Moving your loan to a new bank can come with a cash contribution, often worth thousands. It's the most common reason people refinance: money toward your loan, a renovation, or your back pocket.
A sharper rate
Rates differ from bank to bank, and when your fixed term ends another lender may simply be offering a better one. Comparing across the market can take real money off your repayments.
Pay it off faster
A review is the moment to restructure: split your loan, set up an offset or revolving facility, and put any spare cash to work clearing the balance sooner. See what extra repayments could save you.
Unlock your equity
If your home has grown in value, you may be able to use that equity to renovate, invest, or consolidate higher-interest debt into one tidy payment. And because we can tap the same valuation tools the banks use, we can give you a read on how a bank is likely to value your place right now, before you apply.
Not sure which of these applies to you? A free review will tell you.
Book your free reviewWhen's the right time to review?
The sweet spot is when your fixed rate is coming up for renewal, usually every one to three years. That's when you can move without break costs, and it's exactly when your current bank is deciding what to offer you next.
Most people just accept the refix rate their bank emails through. A quick review before you re-fix means you're comparing that against the whole market, and even if you decide to stay put, a competing offer is often the leverage to get a better deal where you are.
How a review works
Common questions
When should I review my mortgage?
The best time is when your fixed rate is coming up for renewal. That's when you can move without break costs, and when your bank is deciding what rate to offer you next. Get ahead of it and you're choosing from the whole market, not just accepting the first number they send through.
Does a review cost anything?
No. Our advice is free because the lender pays us, not you. We'll only suggest a move if it genuinely leaves you better off.
What is a cash contribution?
It's a lump sum some banks pay you for bringing your loan to them, often worth thousands. It usually comes with a condition to stay for a few years, or you pay part of it back, which we'll always explain up front so there are no surprises.
Can I actually move banks?
Usually, as long as your situation still stacks up to the new lender. If your home's value or your income has changed, that can affect it, so we check whether a move is realistic before you do anything.
Will reviewing hurt my credit?
A review itself won't. A full application does involve a credit check, which is completely normal, and we only do that once you've decided you want to proceed.
Do I have to switch banks?
Not at all. Sometimes the best result is staying where you are on a sharper rate, and a competing offer can be the leverage to get it. We'll tell you straight either way.
Worth a quick review?
It takes one free chat to find out whether a review could save you money or land you a cash contribution. We'll tell you honestly if it's worth moving.
Book your free mortgage review