SYD Mortgage
Refinance · Free tool

Is your home loan still healthy?

Lenders often save their best rates for new customers. Our Loan Health Check models your current rate against a dated product example and shows potential repayment differences.

What you get

Takes 2 minutes

Answer a few questions about you, your loan and your property.

Instant health score

An illustrative 0–100 score against a dated Canstar-listed product example, not a lender assessment.

See your savings

Estimated monthly and lifetime savings if you switched to a sharper rate.

No credit check

Running the check has no impact on your credit score.

Time for a check-up?

If any of these sound familiar, your loan is worth a second look.

  • Your fixed rate is ending soon
  • You haven't reviewed your loan in 2+ years
  • Your property value has gone up
  • You want to consolidate debts or renovate

How it works

01
Your details

Tell us who you are so we can send your results.

02
Loan & property

Enter your current loan and property details.

03
Your report

Get your score and savings instantly, then talk to Licole if it's worth switching.

Default example: 6.09% p.a. interest (6.10% p.a. comparison), Greater Bank Great Rate Home Loan, discounted variable, owner-occupier principal & interest, LVR ≤80%, new loans above $150,000 (confirm the exact boundary with the lender). Source: Canstar; cross-checked with Greater Bank on 2026-11-02. Lender schedule effective 2 November 2026, 9am. This is one product example, not the lowest available rate, a SYD quote or a personalised offer. Your actual rate may differ.

Comparison rate is based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Calculations use the entered interest rate, not the comparison rate, and assume monthly principal-and-interest repayments with a constant rate and term. Fees, LMI, offset balances, switching costs and rate changes are excluded unless explicitly entered. An investment, interest-only, fixed or high-LVR loan may not be comparable with this example. Savings and scores are illustrative, not lender assessments or approval guarantees.