Melbourne’s Best Mortgage Broker – Available 7 Days a Week
Interest rates, lender policies and personal financial circumstances change over time. A home loan that was competitive when you first took it out may no longer be the best option available.
A Home Loan Health Check reviews your current mortgage to ensure it still suits your financial goals and that you are not paying more than necessary.
At What If We Finance, our experienced mortgage brokers compare your existing loan against a panel of more than 50 lenders and over 2,000 loan products. We analyse your interest rate, features, fees and overall structure to determine whether your loan remains competitive or if a better option is available.
Sometimes the solution is refinancing. In other cases, we can negotiate directly with your existing lender to reduce your interest rate or improve your loan terms.
Our goal is simple: make sure your mortgage continues to work in your favour.
A Home Loan Health Check is a professional review of your current mortgage conducted by an experienced mortgage broker. As part of the review, we assess:
Many borrowers take out a home loan and then keep the same loan for many years without reviewing it. However, lenders frequently introduce new products, change pricing or offer new features that may benefit borrowers.
A Home Loan Health Check ensures your mortgage stays aligned with both the current lending market and your personal financial situation.
Interest rates move regularly and lenders often offer more competitive rates to attract new borrowers. A review may reveal opportunities to secure a lower rate and reduce your monthly repayments.
ome borrowers unknowingly pay higher rates simply because they have stayed with the same lender for many years. A Home Loan Health Check can identify whether you are paying a loyalty premium and whether better options exist.
Ensuring your loan has the right features can help improve your financial flexibility.
Your financial situation may have changed since you first took out your loan. A review helps ensure your mortgage structure still suits your goals such as:
When you request a Home Loan Health Check, our brokers conduct a comprehensive review.
We assess your interest rate, loan balance, remaining term and repayment structure.
Sometimes your lender can offer a better rate if we negotiate on your behalf.
We compare your loan against thousands of home loan products available through our lending panel.
We review whether your loan includes features that can help reduce interest or improve cash flow.
Your mortgage strategy should support your broader financial plans, whether that includes upgrading your home or building a property investment portfolio.
Many borrowers only review their loan when they experience financial pressure. However, regular mortgage reviews are recommended. You may benefit from a Home Loan Health Check if:
Even if your loan remains competitive, the review provides reassurance that your mortgage remains suitable.
What If We Finance is one of Australia’s first brokers to earn the prestigious Mortgage Finance Professional Australia (MFPA) designation. We have been honoured with the Customer Service Award for Victoria by the Mortgage & Finance Association of Australia (MFAA).
Experienced Mortgage Brokers
Our brokers have extensive experience navigating lender policies and identifying the most suitable loan solutions for each client.
Access to a Wide Lender Panel
We compare options across more than 50 lenders and over 2,000 loan products, ensuring you receive comprehensive advice.
Personalised Lending Advice
Every borrower’s situation is different. Our brokers take the time to understand your financial position and provide recommendations tailored to your goals.
Strong Client Satisfaction
With hundreds of five-star reviews across Google, our reputation is built on transparency, service and long-term client relationships.
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We begin with a short discussion about your current mortgage, financial situation and property goals.
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Our team analyses your existing loan and compares it with current lending options.
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Where possible, we negotiate with your existing lender to obtain a more competitive interest rate.
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We present your options clearly, whether that involves staying with your current lender or refinancing to a better loan.
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If refinancing makes sense, we guide you through the application process and manage the paperwork.
If you have not reviewed your mortgage recently, now is the perfect time to make sure your loan is still competitive.
The team at What If We Finance will assess your loan, compare options across our lender panel and help ensure your mortgage continues to support your financial goals.
Book your free 30-minute meeting today and find out whether your home loan could be working harder for you. We’re available 7 days a week for a fast, flexible advice.
Yes. At What If We Finance, your Home Loan Health Check is obligation-free. Our goal is to provide advice that helps you make informed financial decisions. Our mortgage broker calculators are very helpful in giving you a rough idea on home loan offsets, income tax, mortgage switching, and more.
The initial consultation typically takes around 20–30 minutes. The full review may take several days depending on your loan complexity and lender comparisons.
Not necessarily. In many cases we can negotiate a better interest rate with your existing lender, allowing you to save money without refinancing.
Many borrowers benefit from reviewing their loan every one to two years, or whenever interest rates change significantly.
Read through our article to explore your home loan opportunities: What Is Debt Recycling? Turn Your Home Loan into Wealth
No. A simple loan review does not impact your credit score. A credit check is only required if you decide to apply for a new loan.
Yes. People with property investments can benefit from reviewing their loans regularly to ensure their lending structure remains suitable for portfolio growth.
At What If We Finance, we work with a large panel of Australian lenders, including major banks, regional banks, customer-owned banks and specialist non-bank lenders. This includes institutions such as Commonwealth Bank, Westpac, NAB, ANZ, Bank of Melbourne, ING, Macquarie Bank and many specialist lenders that offer flexible loan solutions.
Having access to a wide range of lenders allows our brokers to compare loan products and policies across the market rather than being limited to a single bank. This helps us find home loan options tailored to different situations, including first home buyers, investors, self-employed borrowers and clients with more complex lending needs.
The timeframe for refinancing a home loan can vary depending on the lender, your documentation, and the complexity of the application. In most cases, a home loan refinance takes between two and six weeks from application to settlement.
The process usually involves submitting the application, lender assessment, property valuation (if required), formal approval, and then coordinating settlement with your existing lender.
Contact us now or read our blog to find out more: How Interest Rates Are Decided (and What Borrowers Can Do About It)
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