Is your home loan in tip-top condition? Book a health check

Our Lending Specialists are ready to help.

Why book a home loan health check?

A simple drawing of a house with a magnifying glass looking it over with a dollar sign.

If your current repayments are making money too tight, now is the right time to spring clean your finances, starting with a home loan health check.

A home loan health check may help if you’re:

  • worried about higher interest rates
  • coming off a fixed rate home loan
  • paying more on your home loan than you need to.
  • What to expect

    We’ll give your home loan a full

    We’ll look at:

  • your current interest rate
  • repayment frequency
  • remaining loan term
  • the type of home loan product you have
  • what features are and aren’t included
  • how much equity you’ve built up.
  • We’ll talk to you about your goals

  • Do you want to pay off debts sooner or have more room to move in your household budget?
  • Are you eligible for our low interest rates?
  • Will fixed, variable, or split rates suit you better?
  • Has your Loan to Value Ratio (LVR) changed?
  • What features suit you now?
  • Let us do the work

    We’ll fit in around your working hours. Just click below to book in with your local Lending Specialist at a time that suits you.

    They’ll take you through the whole process and can even help discharge your old home loan for you.

    Book an appointment

    Flexibility for you

    By including 100% of regular overtime in your salary.2

    A single contact at every stage

    Have the same lending specialist throughout the whole process of refinancing.

    Anytime, anywhere

    Face to face5, on the phone or by video, our Lending Specialists can work around your shift hours.

    View our home loans

    • Your Way Home Loan

      Stay in control with the flexibility that you need to do your home loan, your way.


      Learn more

      • 5 .89
        pa %
        Your Way Home Loan Basic Variable rate* (Owner, P&I, LVR up to 80%)
      • 5 .95
        pa** %
        Your Way Home Loan Basic comparison rate (Owner, P&I, LVR up to 80%)
      • Fixed and variable rate options
      • Free redraw on the variable portion
      • Make unlimited additional repayments on variable loans
      • Ability to split loan
    • Your Way Plus Home Loan

      Get flexibility for your home loan PLUS our package benefits. If you’re an Essential worker^ you’ll get access to the discounted rate below. Higher rates apply for persons who are not Essential workers^.

      Learn more

      • 6 .34
        pa %
        Your Way Plus Essential Worker^ variable rate (Owner, P&I, LVR up to 60%)
      • 6 .64
        pa** %
        Your Way Plus Essential Worker^ comparison rate (Owner, P&I, LVR up to 60%)
      • Discounted Variable rates for life of the loan
      • Establishment fee waived (normally $600)
      • Flexibility to make additional repayments on variable rate loans and up to $10k per anniversary year on fixed rate loans
      • 100% Offset facility so you can pay your loan down faster

    Calculate how much you can save by switching

    Speak to a home loan specialist.

    We can help.

    Icon of a mobile banker talking

    Speak to a Lending Specialist

    We can visit you at home, call you on the phone, or speak to you on a video call.

    Icon of a mouse


    Complete an online application to fast track your home loan financing.

    Got a Question?
    Enquire Online

    **Comparison rate warning
    Comparison rates quoted are based on $150,000 for a term of 25 years. Rates apply to secured loans only. WARNING: This Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different Comparison rate

    Essential workers

    ^Eligible Essential workers include: School Principal, Faculty Head, Commissioned Fire Officer, Commissioned Police Officer, Ambulance Officer, Intensive Care Ambulance Paramedic, Supervisor Police Officer, Police Officer, Senior Fire Fighter, Fire Fighter, Registered Nurse, Registered Midwife, Registered Mental Health Nurse, Registered Developmental Disability Nurse, Enrolled Nurse, Pre-Primary School Teacher, Primary School Teacher, Secondary School Teacher, Special Needs Teacher, Special Education Teachers, University Lecturer, University Tutor, Vocational Education Teacher, English as a Second Language Teacher.