How to Check if Your Rate Is Still Competitive

Think you're getting a fair deal on your mortgage? Here's a quick 3-step check to find out:

---

✅ Step 1: Know Your Current Rate

Log into your internet banking or grab your last loan statement. Find the interest rate listed - make sure it’s your current variable or fixed rate, not the comparison rate.

Tip: If you’re not sure, call your lender and ask:

“What’s my current rate, and when was it last reviewed?”

---

✅ Step 2: Compare It to What’s on the Market

Go to a lender comparison site or speak to a broker. Right now, competitive owner-occupier variable rates are often in the low-to-mid 5% range - and even lower with LMI waivers.

If your rate starts with a 6 or 7, you’re likely overpaying - especially if it hasn’t been reviewed in 12+ months.

---

✅ Step 3: Run the Numbers

Even a 0.5% higher rate on a $600,000 loan could mean $3,000+ per year in extra interest.

Ask your broker or use an online calculator to compare:

• Your current repayments

• What your repayments could be with a lower rate

---

Need Help? We'll Do It for You - Free.

In a 30–45 minute Setup Session, we’ll:

• Check your current rate

• Compare it against 50+ lenders

• Show you exactly how much you could save

  
  

📞 Book your FY25/26 Setup Session now It’s free, it’s fast - and it could save you thousands.

Book Here Today

---

Join our webinar this July Market Update: New Year. New Rates. New Policies. Are You Ready?

🧠 Feeling Uncertain About the Market? You’re Not Alone.

The financial year has reset. Rates have shifted. Lending policies have changed (again). And if you're like most healthcare professionals, you're asking:

• Am I still on the right rate?

• Can I actually afford to buy in this market?

• What’s changed that I need to know — and what should I do next?

This webinar is your clarity session.