Is your home loan still working for you? Find out in one free review.

A free Home Loan Review for Perth homeowners: what you're paying now, what you could be paying, and whether refinancing, renegotiating or staying put is the right move.

Book your Home Loan Review

Step 1 of 3
What best describes your situation?

Proudly accredited with 40+ lenders

Does this sound familiar?

  • Rates have gone up, and your repayments with them?
  • Haven't looked at your rate since the day you settled?
  • Suspect your bank gives new customers a better deal than you?
  • Wondering if you could use your equity, but not sure how?

Who the Home Loan Review is for

This is for Perth homeowners who want a straight answer on their mortgage without the hard sell. It may be helpful if:

  • Your repayments have gone up with the recent rate rises
  • Your fixed rate is ending, or has already rolled onto a variable rate
  • You haven't reviewed your loan in the last two years
  • You're paying an annual package fee for features you don't use
  • You'd like to consolidate other debts into your home loan
  • You want to access equity for a renovation or an investment
  • You've been told you can't refinance and want a second opinion
  • You simply want to know you're on a fair deal

You don't need your paperwork sorted or to know what rate you're on. Bring what you have and we'll do the rest.

How it works

1

Tell us about your loan

You share your lender, rough balance and rate if you know it, and what you'd like your loan to do for you.

2

We compare your options

We check whether your current lender will sharpen your rate, then compare it against our panel of 40+ lenders.

3

You get a clear answer

Stay, renegotiate or refinance. We show you the numbers side by side, including any costs, so you decide.

4

We handle the switch

If refinancing is the right move, we manage the application, discharge and settlement, and keep you updated the whole way.

Frequently asked questions

Often, yes. On a $600,000 loan, a 0.25% difference is roughly $1,500 a year in interest. But refinancing has costs, so we show you the break-even point rather than assume switching is always right. Sometimes your existing lender will match a better rate and you don't need to move at all.
Typically a discharge fee from your current lender, government mortgage registration and discharge fees, and sometimes an application or valuation fee with the new lender, although many waive these. If you're on a fixed rate, break costs can apply. We put every cost in front of you before you decide.
A refinance application is recorded on your credit file like any other credit enquiry. One well-prepared application has minimal impact. What hurts is applying to several lenders at once, which is exactly what a broker helps you avoid.
Possibly. Lenders assess your current income, expenses and the value of your property. If you're self-employed, have recently changed jobs, or your property value has moved, the right lender matters. We know which lenders suit which situations.
No. The review is free and there is no obligation. If staying with your current lender is the better outcome, we'll tell you that.
The review itself is free. There is no cost to you for the review and no obligation to proceed. It is simply an opportunity for us to see whether we can provide some value and benefit to you, and to make sure we are a good match. If you do go ahead with a loan, in most cases the lender pays us a commission once it settles, and if a fee ever applies we tell you upfront.

Hi, I'm Chanel

As a finance broker with over seventeen years' experience, I've helped clients through every stage of the journey, from buying their first home, to purchasing their first investment property, to refinancing and restructuring their loans as life changes.

Born and raised in the Perth Hills, I still live locally with my own young family, so I know what a rate rise feels like at the kitchen table. That's why I created the Home Loan Review: a straight answer on whether your loan still fits, with no pressure to switch if staying put is the better outcome.

Whether we meet online or in person, you'll get clear, honest advice from someone who genuinely gets it.

Chanel Rebello, BSc (Mathematical Sciences and Finance)

Founder and Finance Broker at Mesh Finance

Credit Representative Number 506123 is authorised under Australian Credit Licence Number 384704.

AFCAFBAA

Suite 206, Level 2, 96 Mill Point Road, South Perth WA 6151
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Any information provided is general only and does not take into account your personal objectives, financial situation or needs. Refinancing may not be suitable for everyone and may involve costs. Loan approval is subject to lender assessment, eligibility criteria and credit approval. Fees, charges and lending conditions may apply. Figures quoted are examples only.