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This is a commercial decision rather than a copy one, and it changes who the page is for. Confirm with the client.

Depends on the answer above. Note that FINANS declines to work a file alongside another broker, which may make this a no.

We look at your current interest rate against the market, obtain a complimentary property valuation where one is available, review whether the loan structure still suits your circumstances, and talk through what has changed in your goals since settlement.

No. If there is a better option available we will explain it and let you decide. Often the first move is repricing with your existing lender rather than going anywhere.

It forms part of your annual review, where a valuation can be obtained. It gives you an updated picture of what the property is worth and what that means for your loan-to-value ratio.

Then nothing changes, and that is a good outcome. Our job is to tell you honestly whether your current lending still fits, not to find something to move.

Yes. You do not need to wait for a scheduled check-in. If your circumstances change, you are thinking about another purchase or you just have a question, that is what we are here for.