No refinance pitch. Just an honest written report.

Free Home Loan Health Check

Most Australians don’t know how much they’re overpaying — or whether their LMI premium can be partially refunded. Get an honest written report within 48 hours. Sometimes the answer is “stay where you are.”

Free Rate Review LMI Refund Check Full Health Check

Australian Credit Representative #577408 | Authorised under AFG Group

Three free checks. Pick your starting point.

Each one ends in an honest written report — not a sales call.

Rate Review Free

We compare your current rate against your bank's own new-customer rate and current market rates. If you're overpaying, we'll tell you exactly what to ask your bank — or whether to walk.

Best for:: Anyone with a mortgage more than 12 months old.
You get:: One-page written report within 48 hours.

Start this audit

LMI Refund Check Free

If you bought your home in the last two years with less than 20% deposit, you may be entitled to a partial LMI refund. We check the maths and tell you exactly how much — and how to claim it.

Best for:: Anyone who paid LMI when they settled.
You get:: One-page written report within 48 hours.

Start this audit

Full Home Loan Health Check Free

All of the above, plus a structural review: are your offset, repayment type, and ownership set up to support your next move? The complete picture in one report.

Best for:: Anyone planning their next property move within 12–24 months.
You get:: Two-page written report within 72 hours.

Start this audit

What you’ll get

A J2C-branded, plain-English written report — not a sales call. It lays out your current rate against your lender’s new-customer rate, the gap in real dollars, and a clear recommendation: ask your bank to lower it, refinance, or stay put.

Your current rate vs. the market and your lender’s retention pricing
The gap — in basis points and estimated annual dollars
A clear recommendation, including “stay with your bank” when that’s right
A script to use if you ask your lender directly
Optional 15-minute follow-up call with one of our advisors

Why is this free?

Because most home loans are structured badly, and most Australians don’t know it. We’d rather help you fix that — even if you stay with your current bank — than chase you for a refinance you don’t need. Some of our reviews genuinely conclude “your loan is fine, leave it alone.” If that’s the right answer, that’s the answer you’ll get.

We’re paid by lenders only when loans settle — so we have every reason to be honest.

How it works

Submit your documents → we analyse → you get a written report

Submit your loan documents

Statement, settlement statement, lender details. Takes about 5 minutes — or send them later.

We analyse

Our advisors review your loan against current market rates, your lender's retention pricing, and (if applicable) LMI refund schedules.

You get a written report

One page, plain English, specific recommendations. No phone call required.

Start your free review

Five minutes now. An honest written report in your inbox within 48 hours.

Audit

Your Loan

Documents

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Which free review would you like?

No refinance pitch. Just an honest written report — sometimes the answer is “stay where you are.”

Your information is secure and confidential

Your documents are encrypted and never sold or shared without your consent

Credit Representative #577408 | Australian Credit Licence #389087

Frequently Asked Questions

Common questions about the free Home Loan Health Check

Yes. We don't charge for these reviews. We're paid by lenders only when loans settle, so we have an incentive to be honest — if we tell you to stay with your bank and you remember us when you're ready for your next move, that's a good business model for us.

No. The review produces a written report with our honest recommendation. Sometimes that's "ask your bank to bring your rate down." Sometimes it's "refinance." Sometimes it's "your loan is fine." You decide what to do.

Lenders Mortgage Insurance (LMI) is the premium you paid if your deposit was less than 20%. If you discharge the loan within 24 months of settlement, you may be entitled to a partial refund — typically around 40% within 12 months and 20% within 12–24 months. After 24 months, no refund. Specific refund mechanics vary by lender and LMI provider.

Documents are uploaded over an encrypted connection to secure storage with limited access. We delete documents 90 days after your review unless you become a client (in which case we retain them per regulatory requirements). Our full privacy policy is available on the site.

Then the Full Home Loan Health Check is the right starting point. We specialise in self-employed and SMSF lending, and the structural review is built for exactly these situations.