01
Settlement and loan setup
Help you understand the new loan, repayment arrangements and how features such as offset or redraw are intended to work.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Our post-settlement service promise
Support that continues after settlement.
Your home loan should continue to make sense as rates, lender products and your life change. Chris remains available to help you understand the loan and decide when a review is useful.
Direct access to ChrisPlain-English guidanceReview before making a change
What ongoing support includes
A broker relationship that does not end at the finish line.
Post-settlement support is designed to help you use the loan confidently and recognise when changed circumstances justify a fresh look.
02
A useful check-in
Remain available after settlement to address lending questions and identify when a more detailed review may be worthwhile.
03
Fixed-rate and product changes
Review the position when a fixed period is approaching its end or your lender changes the rate, repayment or product features.
04
Changing circumstances
Reassess the loan when your income, family, property plans, cash flow or financial priorities change.
When to get in touch
A change is a good reason to check the loan.
Your fixed-rate period is ending
Your interest rate or repayments have changed
You are planning a renovation or property purchase
Your income, expenses or family circumstances have changed
You want to reduce debt faster or change loan features
It has been some time since the loan was reviewed
How a review works
Start with the current loan—not an assumption that you should switch.
Book a loan reviewUnderstand what changed
Review your current balance, rate, repayments, features and the reason you are reconsidering the loan.
Check the existing position
Consider whether the current lender, product or structure can still support your needs.
Compare where useful
If appropriate, assess alternatives across the accredited lender panel and calculate the costs and trade-offs.
Choose the practical next step
Stay, reprice, restructure or refinance only after the implications are clear.
Does support finish when my loan settles?+
No. Chris remains available for lending questions after settlement and can review the loan when your circumstances, goals or lender arrangements change.
Does every review mean I should refinance?+
No. A review may show that the existing loan remains appropriate, that asking the current lender about pricing is worthwhile, or that comparing alternatives would be useful. Switching should only be considered after the costs and benefits are assessed.
Can you help when my fixed rate expires?+
Yes. Before or around expiry, Chris can help review the lender’s proposed variable rate, repayment impact, available structures and suitable alternatives across the accredited panel.
Will a loan review affect my credit file?+
An initial discussion and comparison do not necessarily require a formal credit application. If an application or credit enquiry may be needed, that should be explained before you proceed.
A review does not guarantee a lower rate, lower repayment or refinance approval. Any credit assistance is subject to your circumstances, lender criteria, costs and assessment at the time.
Your next move