Start your free 30 second health check
Rates move. Property values change. Your financial goals shift over time.
That means the home loan that suited you a few years ago may not be the right fit today. A quick home loan health check can help you see whether your current loan is still competitive, whether you may have usable equity, and what options could be available.
The home loan health check is a no-obligation, super-fast snapshot designed to help you understand where your home loan stands today and how much you could save (or borrow for your reno, holiday or investment) by adjusting it.
What your health check can show you
Compare your current rate
Enter a few quick details and see how your current loan rate compares against live home loan rates.
Estimate your available equity
Get an indication of how much equity you may have built up in your property based on your estimated property value and loan balance.
See if refinancing may be worth exploring
Your result can help you understand whether there may be better loan options available, or whether it is worth speaking with a broker before making a decision.
Understand your next move
Whether you want to lower repayments, access equity, renovate, invest, consolidate debt or simply check your current loan, this gives you a clearer place to start.
A smarter first step before refinancing
Smooth Path helps homeowners, investors and first home buyers with practical finance guidance across the Gold Coast, Brisbane and beyond.
We built the health check to give you a quick starting point before you complete a full application or speak to multiple lenders. If there is a possible opportunity, Smooth Path can help you look at the numbers properly and compare your options across a wide lender panel.
Frequently Asked Questions
No. The health check is not a loan application and does not require a credit check.
You will usually need your estimated property value, current loan balance, current lender and current interest rate. Estimates are fine to get started.
No. The result is an indication only. Any refinance or new loan would still be subject to lender assessment, eligibility criteria and approval.
Potentially, yes. If you have built up equity, we can help you understand whether it may be possible to use it for things like investing, renovating, debt consolidation or other goals.
You will see a snapshot of your home loan position. If you want help reviewing the result, you can book a time with a Smooth Path broker.
Steve Carmody is a credit representative (564495) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.