Get a personalised written review showing your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs, and whether staying, repricing or refinancing may be suitable.
No pressure to switch. If the assessment does not identify a worthwhile and sustainable potential benefit, the outcome may be to stay with the current lender or request sharper pricing from it.
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You're dealing with
A licensed mortgage broker — not a comparison site.
We built homeloansrefinance.com.au to treat your loan as an ongoing relationship, not a one-off sale.
You've probably felt at least one of these before. Here's what we do differently.
Based on ACCC and MFAA research into how Australian homeowners experience banks and brokers.
Banks may charge loyal customers more than new ones — same loan, higher rate.
Here's what we do
The Review can help identify whether the current loan still appears suitable or whether another path deserves closer consideration.
Switching usually means weeks of forms — and silence once your bank stalls.
Here's what we do
Digital from day one — your Mortgage Freedom Review starts with a short online enquiry. Timing varies according to the information available, lender requirements and the other parties involved.
Most brokers go quiet the moment your loan settles. You're on your own.
Here's what we do
If an ongoing review rhythm matters to you, ask what it includes and confirm it in writing before committing.
Most homeowners never know whether their rate is still competitive — or what their loan-to-value position looks like.
Here's what we do
A Mortgage Freedom Review may show how the current loan compares, using the information you provide and clearly stated assumptions.
See where you stand, in writing — it takes 2 minutes to start.
For many homeowners, owning their home outright represents more than removing a monthly repayment. It may mean greater flexibility over work, family, retirement and how future income is used.
No review can promise those outcomes. But understanding your current position, possible pathways and important trade-offs can help you make a more informed decision about what happens next.
A home loan can take up a significant part of household cash flow. Understanding the repayment path may help you assess where changes could be worthwhile and sustainable.
A lower mortgage balance or earlier payoff may provide greater flexibility to change pace, reduce hours or pursue different priorities later in life.
Knowing the estimated mortgage-free date can make it easier to consider how the home loan fits with longer-term plans.
Reducing mortgage pressure may create more flexibility for family, experiences, savings and other priorities—but individual outcomes will vary.
"In July 2026, Roy Morgan estimated that 32.5% of Australian mortgage holders were at risk of mortgage stress. The measure is based on mortgage repayments relative to household income and spending."Roy Morgan, July 2026 mortgage-stress estimates
The Mortgage Freedom Review starts by estimating where the current loan may be heading. It then considers possible repayment and interest scenarios, relevant switching costs and whether staying, repricing or refinancing may be suitable.
We shop your loan across 60+ banks and non-bank lenders.
The Mortgage Freedom Review begins with the information available about your current home loan. From there, the broker can clarify your objectives, prepare estimated scenarios and explain whether staying, requesting repricing or considering refinancing may deserve closer attention.
Submitting the initial form is an enquiry—not a loan application or approval.
Provide a few initial details about the current loan, property and primary objective through the Mortgage Freedom Review form.
The broker may contact you to confirm the information supplied, understand your objectives and identify any additional details needed to prepare a useful review.
Using the information available and stated assumptions, the Review can outline the current estimated mortgage-free date, possible repayment and interest scenarios, relevant switching costs and the paths that may warrant consideration.
After the options and trade-offs are explained, the customer can decide whether to make no immediate change, request repricing or explore a refinance application.
You remain in control of the decision.
The Mortgage Freedom Review is designed to clarify the possible paths. It does not require you to refinance, apply for credit or change lenders.
No obligation to switch lenders.
Answer five quick questions to see the refinance approach that could suit your situation.
Understand what the Review covers, how the process works and what may happen after the possible paths have been considered.
A Mortgage Freedom Review is a personalised written review of your current home loan and possible pathways forward. Based on the information available and stated assumptions, it may show your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs and whether staying, requesting repricing or considering refinancing may be suitable.
The Review contains estimates. It is not a loan approval, credit offer or guarantee of savings or earlier repayment.
The Mortgage Freedom Review can help you understand the current estimated payoff path, possible scenarios and the relevant trade-offs before deciding what to do next.
Request a personalised written Mortgage Freedom Review to understand your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs and whether staying, requesting repricing or considering refinancing may be suitable.
The purpose is not to push you towards another lender. It is to help you see the possible paths more clearly before deciding what to do next.
Submitting the form starts an enquiry for a Mortgage Freedom Review. It is not a loan application, credit approval or offer of credit.
Results are estimates based on the information provided and stated assumptions. Savings, rates, approval and earlier repayment are not guaranteed. Valuation, lender criteria, affordability, fees and product terms apply. Refinancing may not be suitable for everyone.
homeloansrefinance.com.au is a lead-qualification and information service. Credit assistance is provided by the responsible mortgage broker through Jabsons Finance, subject to the credit-representative and Australian Credit Licence disclosures displayed on this website.