Keep the current loan
If the pricing, features and structure still work, staying can be a perfectly useful outcome—without creating unnecessary paperwork or cost.
Home-loan review for Melbourne homeowners
Rates have moved. Is your home loan still a good fit?
Share your current rate, loan balance and estimated property value. Ferdi will review whether staying, asking your lender to reprice or comparing a refinance deserves a closer look.
Perth-based broker · Supporting Melbourne clients online · Australia-wide service
Market note · checked 14 August 2026
Following its 11 August meeting, the RBA cash rate is 4.35% after three increases in 2026. That makes a review timely—but it does not make refinancing automatically right.
Read the RBA decision ↗★★★★★5.0Google reviews via BrokerPages
“Reliable, responsive and caring.”
William NGoogle review
One broker. No call-centre hand-offs.Meet Ferdi
Individual experiences differ; lending outcomes and timelines vary.Three honest outcomes
A review should answer the decision—not assume it.
The headline rate is only one part of the picture. Ferdi also considers loan features, switching costs, the remaining term and what you want the loan to do next.
Ask for a reprice
Sometimes the first conversation belongs with your existing lender. A sharper rate or fee position may improve the loan without moving it.
Compare a refinance
If another structure may create a meaningful overall benefit, Ferdi can compare suitable options and explain the trade-offs before you decide.
What Ferdi checks
Enough detail to be useful. Still simple to start.
The first review begins with rough figures. No identity documents, bank logins or tax file numbers belong in the enquiry.
Send my loan snapshot01
Rate and repayments
Your current rate, repayment and whether the loan is fixed, variable or split.
02
Balance and property value
A rough value estimate helps show the equity position and possible LVR.
03
Fees and loan features
Annual fees, offset, redraw and other features that may have real value to you.
04
Remaining loan term
A lower repayment can cost more overall if the loan term quietly starts again.
05
Your next goal
Cash-flow relief, renovations, releasing equity or preparing for a future investment.
When a review may be useful
Life changes. Loans rarely update themselves.
You do not need to wait for a dramatic problem. A short review can simply confirm whether your current setup still fits.
Your rate or repayment has risen
You want to understand whether the current pricing is still competitive enough to keep.
A fixed period is ending
You want a plan before the loan rolls to the lender’s available variable rate.
Your home may have built equity
You are considering renovations, debt restructuring or a first investment and want the usable-equity position checked.
The loan has not been reviewed
Your income, family, goals or loan features have changed since the original approval.
A clear review process
Small first step. Proper comparison only if useful.
Ferdi starts with the loan you have, not a product he wants to sell.
Start my review- 01
Send a quick snapshot
Current lender, rate, balance, repayment, property value and the goal behind the review.
- 02
Check stay, reprice and refinance
Ferdi identifies which pathway deserves the next conversation.
- 03
Compare the whole cost
If a move is worth exploring, compare policy, rate, fees, features and loan term—not just the headline.
- 04
Choose without pressure
Understand the trade-offs, ask questions and decide whether staying or moving is right for you.
Before changing lenders
Lower repayments do not always mean a lower total cost.
Refinancing may involve discharge, application, valuation, settlement or government fees. Extending the loan term can also increase total interest even when the monthly repayment falls.
Ferdi’s review considers the likely benefit over time, useful loan features and any cost to leave or set up the new loan. Lending criteria and credit assessment apply.
Switching home loans — Moneysmart ↗Your next useful step
Send the loan snapshot. See which conversation comes next.
Review my current loan
Rough figures are fine · Ferdi reviews it personally · Secure documents come later
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