Most Australians wouldn’t go years without seeing a doctor.
They service their cars.
They insure their homes.
They review their investments.
Yet many people take out a home loan and don’t look at it again for five, ten, or even twenty years.
At Mortgage Medics, we believe your mortgage deserves the same attention as every other important part of your financial life.
That’s why we’ve created Australia’s first preventative mortgage care platform.
Our mission is simple:
To help homeowners stay financially healthy by encouraging regular home loan check-ups before small issues become expensive problems.
Just because your mortgage is working doesn’t necessarily mean it’s working well.
Over time, interest rates move, lenders introduce new products, your income changes, your family grows, your property increases in value and your financial goals evolve.
A loan that was perfect five years ago may no longer be the healthiest option today.
Regular mortgage check-ups can help identify opportunities to:
Sometimes the diagnosis is simple:
Your mortgage is healthy. Keep doing what you’re doing.
Other times, a few changes could potentially save thousands of dollars over the life of your loan.
Mortgage Medics connects Australian homeowners with experienced, independent mortgage brokers — our Mortgage Medics.
Each Mortgage Medic reviews your current home loan, assesses its financial health and discusses whether improvements may be available.
Think of them as the financial equivalent of a regular health check.
Their goal isn’t to convince you to refinance unnecessarily.
Their goal is to ensure your mortgage remains healthy as your life changes.
Getting your Home Loan Health Check is simple.
Choose a Mortgage Medic in your area.
Complete our quick online questionnaire.
Your selected Mortgage Medic reviews your information.
They’ll contact you with their professional assessment and explain whether your current loan remains healthy
or if there are opportunities worth exploring.
No pressure.
No obligation.
Just professional guidance designed to help you make informed financial decisions.
For decades, Australians have been taught to review insurance, superannuation and investments regularly.
We believe mortgages deserve exactly the same attention.
Preventative Mortgage Care isn’t about refinancing for the sake of refinancing.
It’s about staying informed.
It’s about making sure your biggest financial commitment continues working in your best interests.
Because small improvements today can create significant financial benefits tomorrow.
Mortgage Medics is an independent platform that connects homeowners with participating mortgage brokers.
We do not provide credit advice or mortgage broking services ourselves.
Instead, we make it easy for Australians to access experienced professionals who can assess the health of their existing home loan and provide personalised lending advice.
Your mortgage shouldn’t be something you only think about when interest rates rise.
It should be reviewed regularly, just like every other important part of your financial wellbeing.
At Mortgage Medics, we’re on a mission to make Preventative Mortgage Care part of every Australian homeowner’s financial routine.
Because when your mortgage is healthy, your financial future has every opportunity to be healthier too.
Mortgage Medics brings together some of the best brokers in the country, giving you a direct channel to review their experience and request their services.
No matter who you connect with,
Mortgage Medics Home Loan Health Checks are
Once you have an answer, you are under no obligation to continue.
How it works: To get started, search our directory to find a broker near you. Then answer a short list of questions relating to the current status of your loan (you won’t even have to hand over your phone number).
You’ll get a preliminary report explaining how you could refinance or restructure your loan to SAVE.
Answers to some common questions that we get asked.
A Home Loan Health Check is a review of your current mortgage to determine whether it’s still the right fit for your circumstances. Your selected Mortgage Medic will assess factors such as your interest rate, loan features, repayment structure and overall suitability to see if there may be opportunities to save money or improve your loan.
No. The health check is designed to give you an informed opinion. If your current loan is already a great fit, your Mortgage Medic will tell you. If there are opportunities to improve your situation, they’ll explain your options and the decision is always yours.
No. Completing the questionnaire and receiving a Home Loan Health Check does not affect your credit score. If you later decide to apply for a new loan, your Mortgage Medic will explain when a credit enquiry may be required.
Absolutely. Mortgage Medics allows you to browse participating Mortgage Medics and choose the broker you feel most comfortable working with. You can select a broker based on your location, experience, or profile before submitting your Home Loan Health Check.
It’s simple. Select a Mortgage Medic from your preferred region, complete our short online questionnaire about your home loan and your chosen broker will review your information. They’ll then contact you with their professional assessment and discuss any recommendations.
Our online questionnaire asks for basic information about your current home loan, such as your lender, approximate loan balance, interest rate (if known), repayment type and your goals. The more accurate the information you provide, the better your Mortgage Medic can assess your loan. If additional information is needed, they’ll discuss this with you directly. See the full list of questions we will ask.
Yes. We take privacy seriously. The information you provide is only used to help your selected Mortgage Medic assess your home loan and contact you regarding your enquiry. Please refer to our Privacy Policy for more information.
There is no cost to complete the initial Home Loan Health Check through Mortgage Medics. Your selected Mortgage Medic will explain any costs that may apply if you choose to proceed with refinancing or another lending solution.
