Is Your Mortgage in Shape? Take our Mortgage Fitness Check
Don't worry. We're not going to hook you up to a machine, slap some electrodes on your chest, and have you run on a treadmill. This kind of fitness check is far more comfortable — and the results could save you tens of thousands of dollars.
A Mortgage Fitness Check is our free diagnostic service that tells you, in plain English, whether your home loan is performing at its peak — or whether it's been letting itself go while your lender quietly pockets the difference.
Your Loan Might Be Carrying More Weight Than It Should
Most people set up their mortgage, file the paperwork, and never look at it again. Meanwhile, their lender rolls out better deals for new customers while loyal borrowers sit on rates they stopped deserving years ago.
Sound familiar? You're not alone. And the good news is, finding out takes less than an hour.
Our Advanced Diagnostic Tools — No Treadmill Required
We use advanced diagnostic tools to analyse your current mortgage against the full market — 35+ lenders — and find out whether you're paying too much. And more often than you'd expect, people are.
Here's what we put under the microscope:
💓 Pulse Check: Your Interest Rate Are you paying a "loyalty tax" while new customers at the same bank get a better deal? We see this constantly. Your rate might look fine — until we compare it to what's actually available right now.
🏋️ Strength Test: Your Loan Features Are you missing out on an offset account, free redraw, or fee waivers that could be working hard for you every month? A loan without the right features is like going to the gym and only using the vending machine.
📐 Flexibility Assessment: Your Repayment Structure Could a smarter structure get you to mortgage-free years earlier — without paying a cent more each month? We'll find out.
🩺 Vitals Check: Your Equity If your property has risen in value since you bought, you may be sitting on money you can actually use. We'll show you what's available and how to access it wisely.
🔬 Blood Test: Your Fees What is your lender quietly charging you that competitors would waive entirely? These are the costs nobody talks about — but everybody pays.
The Diagnosis
After your Mortgage Fitness Check, one of two things will happen:
You're in great shape — and you'll have genuine peace of mind knowing your loan is competitive. Nothing to change. No pressure whatsoever.
There's room to improve — and you'll have a clear picture of exactly how much you could save by switching, and what that looks like in real dollars, over the real life of your loan.
Either way, you're better informed than you were before. And that's always a good thing.
What Makes This Check Different
Most mortgage health checks are a quick squint at your interest rate followed by a suggestion to "call your bank." Ours isn't that.
We compare your loan against 35+ lenders — including specialists your bank would never mention. We know which lenders are genuinely competitive right now, which ones handle complex income situations well, and which ones have features that actually move the needle.
As your broker, we're legally bound under Best Interests Duty to act in your favour — not the lender's. We do the research, the number crunching, and the negotiating. You just have one conversation.
The Kind of Results We Find
✅ Interest rates reduced by 0.5% or more
✅ Equity unlocked for renovations or investment
✅ Monthly fees and unnecessary costs removed
✅ Loan structures switched to shave years off the mortgage
✅ High-interest debts consolidated into one lower-rate repayment
One Conversation. No Jargon. No Pressure.
A Mortgage Fitness Check takes about an hour. Over the life of a typical mortgage, the savings can add up to tens of thousands of dollars.
No jargon. No pressure. Just straight answers from a local South Australian broker who works for you — not the banks.
Book your Mortgage Fitness Check today. We'll review your current loan, run it through our diagnostic tools, and come back to you within around 24 hours with a clear picture of where you stand.