The signs of a healthy home loan

We can help you work out whether your current home loan deal is costing you too much in a moment – but first, here’s how much you could save.

Make sure you have a good rate

With the recent RBA announcement keeping the cash rate on hold at a historic low of 0.1%, now is the time to refinance. But never assume this means you automatically have your lender’s best rate, or the best rate on the market for that matter.

You can easily find out if you could be on a better rate and saving money by refinancing in just a few minutes, simply by

Make sure your signed up to receive notifications of rate changes

Don’t settle for the ‘set-and forget’ approach to your home loan. If you sign up to our loanScore and opt in for rate change notifications, we will send you an email every time your lender’s rate has changed so you can take action.

But it’s also so much more than this.

Think of loanScore as a free check-up for your home loan. It helps you understand whether your home loan is in good health. The lower your score, the higher the chance that you could save.

Getting your loanScore is super easy and only takes 2 minutes (less than the time it takes to blend a green juice!). All you have to do is:

Fill in your loan details
Get your loanScore
See how much you could save
Set a savings threshold for alerts
Take action easily

Take advantage of available home loan features

Does your home loan offer features like a mortgage offset account, which helps you pay less interest? Does it offer a redraw facility or even let you make additional payments on your home loan without being charged a fee?

Maybe you don’t have the features you need? There might be plenty of other products out there that will deliver, so why not shop around? Speak to one of our

Are you actively managing your home loan?

The answer is probably no – who has the time?

We do. In fact, that is all we do here at
. Our job does not stop when we refinance, renegotiate or settle a home loan for our customers. If we find opportunities where customers can save, our experienced brokers can help negotiate better deals for them. So, why not let us manage your home loan?

If you follow these easy check-up rules, you can be sure you’re never paying more than you should on your home loan, spending less time worrying about it (and more time at F45!).

Australians are on the whole a pretty health-conscious nation. Not just in the way we live and eat, but more so now as we all take steps to keep ourselves, our families and our loved ones safe and healthy during COVID-19.

But Aussies’ bodies aren’t the only thing we should treat as a temple that needs regular check ups — we should think the same way about our home loan.

Why? Because saving money on your home loan might be what allows you to actually buy a temple one day.

So we can all agree, we know what a healthy body looks like – but do you know what a healthy home loan looks like?

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Need help with your home loan?

UNO Brokers are available night and day for a quick review or your situation and bring expertise that will support better decision making that will save you time and money. Book in a quick call when it suits your busy schedule

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Try Plans, by UNO

Mortgage calculators completely reimagined

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What is PPOR or Main Residence and why does it matter in home loans and property buying

Importance of PPOR in Home Loans and Property Buying

This is a much better way to compare home loans than comparison rates or total cost

Discover the best way to determine if you're getting a great deal on your home loan. In this episode, the host introduces a new formula that focuses on the total cost of the loan over a three-year period, including interest, fees, and insurance. Learn why this approach is more valuable than just looking at interest rates and comparison rates. If you want to make an informed decision about your home loan, tune in and talk to a home loan broker.

Property investors: How much is your interest only loan really costing you?

TESTIMONIALS

What our customers are saying

Kyle Richards

October 10, 2024

Absolute legend, helped me through the first home buyers scheme, explained everything in a way that made sense, was very knowledgeable and a joy to work with.

Chloe S

October 8, 2024

Mike Parsons made it possible for us and the in laws to get 2 pretty complicated home loans. He helped us through everything and we'd be happy to use Mike and the team again for anything we needed. Thanks again!

Sam Rezai

October 2, 2024

I have gone through 6 different mortgage brokers prior to meeting Andrew Wyers. He is the most patient mortgage broker I’ve encountered and also the most knowledgable about the bank’s lending process and products available. It took me 1 year to find a house I was happy with and Andrew was always there to assist with any issues or questions I had; he always return my phone call, even on the weekends or when his away on holidays. The loan process was smooth and I had no complications. The process with Andrew was again nice and easy, he took the time to find and put together the right package that was suited to my situation. I have recommended Andrew to my family & friends and everyone have been grateful and completely satisfied with his service.

S Wilko

September 23, 2024

I had not dealt with Scott or UNO before finding them on the internet. Even as an Australian citizen living and working overseas, I knew obtaining a loan would be difficult. However, Scott went above and beyond what I expected from a mortgage broker. I genuinely don’t think you could find another company that works as hard as they did to get my home loan approved. I cannot recommend them highly enough. Everyone I dealt with at UNO were extremely professional and helpful. If you are looking for a broker, you would be mad not to give them a go. Thanks to Scott Wilkinson, Dalby Bajwa, Jena Lasquite and Andrew Pacini. Shaun.

Shan Liao

September 3, 2024

I had an outstanding experience with Tian Liu. He was incredibly professional and attentive, going above and beyond to meet my needs. His expertise and dedication made the entire process smooth and stress-free. Tian's deep knowledge of the market and commitment to finding the best solutions for his clients truly sets him apart. He was always available to answer my questions and provided invaluable guidance throughout. I highly recommend Tian Liu to anyone in need of a reliable and skilled broker!"

Nathanael Chin

September 3, 2024

Tian Liu provided exceptional service throughout the entire process. His professionalism and keen attention to detail were evident from the start. Tian consistently kept us informed and offered insightful advice that made us feel confident in our decisions. He truly cares about his clients and works tirelessly to ensure the best possible outcome. We couldn't be happier with his assistance and highly recommend Tian to anyone looking for a trustworthy and knowledgeable broker.

Patrick Winters

August 14, 2024

For the past three years, it has been an absolute pleasure to work with Mike Parsons. He has consistently helped us navigate commercial property loans with skill and efficiency. Mike’s timely and professional responses to our inquiries have been invaluable. We have built a strong, reliable relationship with him and eagerly anticipate continuing our collaboration in the future. We highly recommend his services.

Lee Robibaro

August 6, 2024

I am so thankful and grateful to have Scott Wilkinson as my broker. He not only looked after me every step from start to finish he gave me confidence and I was able to trust him and his expertise. My children and I are now happy in our new home and very appreciative of Scott's help. I will definitely be only having Scott as my broker from here onward as there is no mucking around and straightforward answers. Thanks again

Steve Mav

August 6, 2024

Scott and the whole team at uno have been amazing. Super responsive and helped us achieve a result that we couldn’t have possibly achieved on our own.

Thien Pham

August 5, 2024

Scott, Dalby and Jena were awesome to work with for my recent Home Loan, they are responsive and knowledgeable - which helped ensure a smooth purchase from pre-approvals to settlement. This is the second property I've purchased with UNO as my mortgage broker and would definitely recommend their services. Thanks again to the UNO Team for the awesome support.

Scott Hutchinson

August 5, 2024

I am writing this summary in support of recommending Mike Parsons as a Mortgage Broker. At the time of writing this, I have known Mike for 4 years and he has executed 4 mortgages deals for me (including 2 refinances) over that time. Mike has provided me incredible service as a mortgage broker as follows : - Works painstakingly on getting the scenarios together to provide you options that optimize your position. - Works inordinate hours on the detail necessary to support the scenarios. - Mike keeps you updated on the status and progress of the applications and also helps you work through answering questions and any complexities that may arise. -In my cases, given the complexities and timings of my situations , these application processes would take many weeks to finalize . Mike never gave anything other than utter commitment and focus to getting the job done. Mike acts as a true business partner throughout this whole broker /mortgage journey. I simply would only go to Mike for any future dealings on getting a loan from a bank (and as will my kids in the future !) . There is no way a bank (I have seen anyway) would provide this kind of time nor service to a customer. You can rest assured that once Mike has done the deal, you have ended up with the most optimized position taking into account all the variables/scenarios in play. Scott Hutchinson

Jason Seam

August 5, 2024

I've worked with Scott Wilkinson for my last 2 properties and he's been excellent. He sourced multiple options and didn't push a specific bank, tailoring his recommendations to me based on my requirements. I was specifically requesting a "medico loan" and Scott could navigate that extra requirement with expertise. When I was initially working with Scott, I was also trialling 2 other brokers and neither of those 2 had the same breadth of lenders, or could provide the same deals. I've referred multiple buyers to Scott and his team; one of them said to me after working with him, "how'd you find this guy, he's so good compared to all the other broker's I've worked with!" I'm going into my next purchase with Scott as my broker partner again. I recommend him to everyone

Try Plans by UNO

Mortgage calculators completely reimagined

Get Started

The signs of a healthy home loan

Make sure you have a good rate

Make sure your signed up to receive notifications of rate changes

Take advantage of available home loan features

Are you actively managing your home loan?

Need help with your home loan?

Related Articles

What is PPOR or Main Residence and why does it matter in home loans and property buying

This is a much better way to compare home loans than comparison rates or total cost

Property investors: How much is your interest only loan really costing you?

What our customers are saying

Try Plans by UNO