Is your current mortgage still doing its job?
Home Loan Health Check — broker support across Australia
A home loan health check is a straightforward review of whether your current mortgage is still doing what it should. TwoFold Lending looks at your rate, repayments, loan features and equity position against what's available in the market — and gives you an honest answer. Sometimes that answer is that you're already on a good deal. Either way, you leave knowing exactly where you stand.
Book an appointmentA plain-English review of whether your loan is still working for you.
A home loan health check is not a sales pitch to refinance. It's a straightforward look at your current rate, loan features, offset or redraw balance, remaining term and equity position — compared against what's actually available in the market today. We tell you honestly whether you're on a competitive deal or whether there's a genuine case to look at alternatives.
- Current rate and repayment review
- Market comparison across lenders
- Offset, redraw and feature assessment
- Honest refinancing advice — only if it makes sense
Rate is only one part of what makes a good home loan.
Borrowers who focus solely on rate often miss more important factors: whether their offset account is saving them meaningful interest, whether their loan structure still matches their repayment goals, whether they're paying ongoing fees that no longer make sense, or whether their equity growth has opened access to better lender pricing they haven't asked for.
A proper health check looks at all of this — not just rate versus rate. TwoFold Lending gives you a clear picture of where your loan stands and what, if anything, is worth acting on. Sometimes the right answer is to do nothing. Either way, you leave knowing exactly where you stand.
Common questions
Home Loan Health Check — frequently asked questions
What does a home loan health check actually cover?
We look at your current interest rate, loan type, remaining term, monthly repayments, offset or redraw balance and any ongoing fees. We then compare this against what's genuinely available in the market and tell you clearly whether your loan is competitive or whether there's a better option worth pursuing.
Does a health check mean I have to change lenders?
Not at all. The purpose of a health check is to give you a clear, honest picture. Sometimes the result is that your current loan is competitive and there's no action needed right now. That's still a valuable outcome — peace of mind costs nothing.
How often should I be reviewing my home loan?
A review every two to three years makes sense for most borrowers — or whenever rates move significantly, your fixed period ends or your personal circumstances change. A quick check could reveal real savings you weren't aware of.