While You’re on Holidays, Your Interest Rate Is Still Working – But Is It Working for You?

It’s January. You’re winding down, enjoying the sun, maybe even avoiding your inbox. But while you’re on holidays, one thing isn’t taking a break—your mortgage.

Even if the RBA holds rates steady, banks may not. Many lenders adjust their rates independently, which can mean you’re paying more than you should.

Check if you’re paying a loyalty tax. If you haven’t refinanced in years, you might be on a higher rate than new customers.

A quick finance check can reveal lower rates, better structures, or ways to consolidate post-holiday debt.

Let us run a Mortgage Health Check while you enjoy the sunshine. It’s fast, free, and could save you thousands.