Review guides
Review the current rate, repayment, fees, features and future plans before deciding to stay, reprice, restructure or refinance.
Popular guides.
A guide to reviewing your current home loan after rate changes, income changes, fixed-rate expiry, renovations, or new property goals.
Read guideLoan health
What happens when an interest-only period ends, a worked example of the repayment jump, and the options to check with your lender before the switch to principal and interest.
Read guideCompare paths
Compare speaking directly with one bank against having a mortgage broker review lenders available on their panel.
Read guideHow to ask your bank for a lower home loan rate: what to check first, a call script, how to judge the reply and when switching costs outweigh the saving.
Read guideCompare home loans by looking at rate, fees, features, lender policy, repayment structure, and your actual borrower goal.
Read guideA guide to common refinance costs such as discharge fees, application fees, valuation fees, government charges, break costs, and package fees.
Read guideLoan features
Compare offset accounts and redraw facilities before choosing a loan feature or reviewing your current setup.
Read guideWhat it takes to pay off a $600,000 mortgage in 25, 15, 10 or 7 years, and what extra repayments, offset, fortnightly payments and refinancing can change.
Read guideCompare repayment certainty, flexibility, offset access, break costs, and rate movement before choosing fixed or variable.
Read guideUnderstand why comparison rates can help, what they include, and why they still do not show every borrower outcome.
Read guideCalculators
Model the numbers here, then ask a broker to check the lender policy, fees and assumptions behind them.
Next step
These guides are general information. emoney can review your goal, lender options and documents before you make a loan decision.
