Make sure you’re getting the most from your home loan.
Your home loan should support your financial goals, not hold you back. With changing interest rates, your personal circumstances and ebbs and flows in the local property market, it’s worth checking in.
At GMCU, our lending specialists are on hand to give you a free, no obligation Home Loan Health Check in 15 minutes. Whether you bank with us already or not, it’s a quick and easy way to make sure your home loan is still the right fit for you.
✓ Save money – You could reduce your repayments or pay off your loan sooner.
✓ Unlock better features – Like our 100% offset (on fixed rate loans too), redraw facilities, or flexible repayments.
✓ Stay informed – Understand your options and how your loan compares.
✓ No pressure, no jargon – Just clear, honest advice from your local lending specialist.
We’ll look at your current rate and consider if we have a better rate to offer you. Depending on your circumstances, switching to a fixed rate, or moving to a variable rate may better suit your financial needs.
We’ll chat to you about the equity you might have available in your property and whether it will help you get a lower rate.
We’ll calculate what you might be able to save by putting extra aside into a 100% offset account.
We’ll consider whether you may be able to change your loan term to help manage repayments.
We’ll see if there’s any benefit in your changing the frequency of your repayments.
We can check your available redraw to see whether it might help you meet your financial goals sooner.
If it’s been more than 12 months since you reviewed your home loan, or your financial situation has changed, it’s a good idea to check in. A quick review could reveal ways to save money, pay off your loan faster, or access better features.
During your Home Loan Health Check, we’ll explore options like extra repayments, offset accounts, or refinancing to help you reduce interest and pay off your loan sooner.
Whether you’re with GMCU or another lender, we can help you understand your refinancing options and whether switching loans could benefit you.
Yes, you can. Our Home Loan Health Check is available to everyone—no membership required. We’re here to help you make informed decisions, no matter who you bank with.
No, it won’t. A Home Loan Health Check is simply a conversation with one of our lending specialists. We won’t run a credit check unless you choose to apply for a new loan.
It’s helpful to have your most recent home loan statement and a rough idea of your financial goals. But don’t worry—we’ll guide you through everything.
Just 15 minutes. It’s a quick, no-obligation chat that could help you save thousands over the life of your loan.
