ONGOING LOAN REVIEWS AND FINANCE MANAGEMENT
The interest rate you signed for was just a starting point. We review your loan every year to protect you from the “loyalty tax”.
Two check-ins in the 6 six months, then a full lending review every year after that, including a complimentary valuation.
Included for Finans clients. No cost, and no obligation to change anything.
Home Loan Reviews with Finans Brokers
You Will Hear From Us First
Most people only speak to their lender when something has gone wrong. We come to you on a schedule, starting six weeks after your loan settles.
Same-Day Responses
You will hear back the same day, from the person who actually has your file so you don’t have to explain everything twice.
The Part You Cannot Do Alone
Repricing with your existing lender, an annual property valuation, a lending structure review and portfolio growth planning. We’ll handle all of all that.
Three scheduled contacts in the first year. A full review every year after that.
WHAT A HOME LOAN REVIEW LOOKS LIKE
What a home loan review actually involves.
Most brokers settle your loan and disappear. We believe your settlement day is just the starting line. True ongoing management means running a regular, proactive home loan health check against live market movements long after your application closes.
We systematically monitor your position so your interest margins remain razor-thin and your structures align with your changing financial footprint.
Rate Reviews & Repricing
We negotiate directly with your existing bank behind the scenes to push your rate down without changing lenders.
Property Valuations
We pull updated asset valuations every 6 to 12 months to monitor your true equity growth.
Lending Strategy
We verify that your current fixed, variable, or split arrangements continue to align with your personal cash flow.
Portfolio Planning
We map out your future borrowing capacity so you are continually prepared to jump on your next purchase opportunity.
Interest Rate Reviews & Repricing
Banks rely on you being too busy to check your loan statements. When we execute an interest rate review, we pull live market data to look at the sharp margins lenders are using to win new clients. If your existing bank is offering a better deal to a stranger than they are giving to you, we use that leverage to negotiate your home loan rate downward instantly.
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How Home Loan Repricing Works: We manage the bank’s internal retention channels behind the scenes, demanding they slash your rate without changing your account numbers or resetting your 30-year loan timeline.
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When to Refinance Instead: We skip the simple internal review and execute a full external switch only if a competing bank offers structural features or rate savings that heavily outweigh any standard bank exit fees.
Ongoing Finance Management Testimonial
“I’ve now refinanced twice and have just purchased my second property. Their communication is second to none. Nothing ever feels like too much trouble.”
Caley P
Property Investor
BOOK A CONSULTATION
We'll Read Your Loan The Way A Lender Would
You do not need to wait for a scheduled review. If your circumstances change, or you are considering something, the review can happen whenever you need it.
Where your rate sits against what your lender is writing today
What the property is worth now, and what that changes
Whether the structure still suits the life you have, rather than the one you had
“I love the team and they were genuinely so happy for us when they found our loan and it got approved.”
Tammi K.
Property Owner
Ongoing Loan Review FAQs
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No. Your finance reviews are complimentary as part of the FINANS Care program, and they continue for as long as you’re a FINANS client.
That covers rate reviews and repricing, your annual property valuation, lending structure reviews and portfolio growth planning. There’s nothing to sign up for and no fee to keep it going.
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Unfortunately we’re unable to help if your loan is currently with another broker.
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We compare your current interest rate against the market, obtain a complimentary property valuation where one is available, and check that your loan structure still suits your circumstances. We also review your equity, talk through any changes in your goals since settlement, and discuss new goals and how we can help.
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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.
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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.
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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.
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You should complete a home loan review every 12 months to ensure your bank hasn't quietly inflated your interest margin. Over time, lenders offer ultra-low introductory rates to new customers while slowly creeping up the rates on existing accounts, a pattern known as the "loyalty tax." A brief annual home loan health check ensures your structure remains optimised against current market conditions.
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Home loan repricing is the process of negotiating a lower interest rate with your current lender without changing banks or rewriting your paperwork. Instead of going through a full application move, we approach your bank’s retention team directly with real market evidence. We demand they match competitive market rates to keep your business, resulting in an immediate drop in your monthly repayments.
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No, a home loan review does not automatically mean you have to change banks or refinance your mortgage. The main objective of a thorough review is to optimise what you already have. We look to fix errors, lower interest margins, or unlock equity internally. We only advise a full external refinance if a competing lender offers savings that heavily outweigh any bank exit fees.
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No, Finans Brokers does not charge clients out-of-pocket fees to perform annual interest rate reviews or ongoing portfolio checks. Proactive finance management is a standard pillar of our end-to-end broker support system. We run these background evaluations automatically because we are legally bound by Australian Best Interests Duty (BID) laws to act entirely in your favour.