How we can help you

We can help you review your home loan each year

Rates, lender policies and your own circumstances can change. We can review your current loan with you, compare relevant options and help you decide whether anything needs attention.

How we'll help you check in

We can help you check whether your home loan still suits you

We'll review your rate, repayments, features and loan structure with you and explain how they fit your current needs.

We review your current loan with you

We'll look at your current rate, repayments, loan balance, features and structure with you, so you can clearly understand what you have now.

We can compare relevant lenders for you

If there is a reason to look elsewhere, we can compare suitable loan options from lenders available through our panel and explain the differences to you.

We help you decide what to do next

We'll explain whether your existing loan still appears suitable or whether another option may be worth considering. You remain in control of the decision.

Why we can review your loan

We can help you review your loan as your circumstances change

Your home loan can run for many years while rates, lender products and your circumstances change. We can check whether your loan still fits your position today.

We'll review your rate, repayments, balance, features and structure with you, along with any plans that could affect your finance. If there is a reason to compare alternatives, we can look at relevant lenders on our panel for you.

We'll help you look beyond a lower advertised rate. We can explain the fees, new loan term and other costs so you can decide whether changing loans may be worthwhile.

Why we'll check in regularly

We can help you keep up with changes to your home loan

Rates, lender products and your circumstances can change over time. We can review your loan regularly and explain whether there is any practical reason to consider another option.

We check your rate and repayments

We'll check what you are paying now and explain how it compares with relevant alternatives.

We review your loan features

We'll review features such as offset accounts, redraw and repayment flexibility and explain which ones may matter to you.

We discuss your future plans

We'll talk with you about upcoming changes such as a move, renovation, investment purchase or change in household finances.

Professional guidance, clearly accountable

Raise Wealth Pty Ltd trading as The Digital Brokerage is a Credit Representative (553369) operating under Australian Credit Licence 389328.

How we'll explain what we find

We help you decide based on your current position

We'll explain what we find in plain language. If there is a relevant alternative, we can talk it through with you. If your current loan still suits your needs, we'll tell you that too.

How can you help me decide when to review my home loan?

We can review your home loan with you each year and whenever rates, your circumstances or your plans change.

Will you expect me to refinance after the review?

No. We'll simply review your current position and relevant options with you. You can then decide whether any change makes sense.

What will you check during my home loan review?

We'll review your rate, repayments, balance, loan structure, features and relevant lending options, along with any future plans that may affect your finance.

Can you help me check whether my repayments could change?

We can compare options with different rates or repayments for you. The result will depend on your circumstances, loan balance, fees, loan term and the options available.

Will you tell me if I need to apply for a new loan?

We'll explain whether another option may be worth considering. You would only apply for a new loan if you decide to refinance and proceed with another lender.

We can review it with you

We can help you check whether your home loan still fits

We can review your current loan with you, explain what we find and talk through any relevant options.

Ask us to review your home loan

Our process

How to get a home loan online

Start with discovering your borrowing capacity by using our free calculator, then we can help you compare suitable lenders, organise the application online and manage the steps through approval and settlement.