{"id":5412,"date":"2024-04-18T10:18:28","date_gmt":"2024-04-18T00:18:28","guid":{"rendered":"https:\/\/financialplus.com.au\/?p=5412"},"modified":"2024-04-18T10:18:28","modified_gmt":"2024-04-18T00:18:28","slug":"can-you-remember-your-home-loan-interest-rate","status":"publish","type":"post","link":"https:\/\/financialplus.com.au\/can-you-remember-your-home-loan-interest-rate\/","title":{"rendered":"Can you remember your home loan interest rate?"},"content":{"rendered":"

\"\"Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand\u2019s name \u2013 all very much socially acceptable things to forget. Your home loan rate shouldn\u2019t be on that list.<\/strong><\/p>\n

It\u2019s a fair bet that your home loan repayments are one of your biggest household expenses.<\/p>\n

Yet it\u2019s surprising how many borrowers haven\u2019t kept up with what their home loan rate currently is.<\/p>\n

In fact, a new\u00a0report by Mozo<\/a>\u00a0shows that 42% of mortgage holders have no idea what interest rate they\u2019re paying on their home loan.<\/p>\n

And it\u2019s an oversight that can cost home owners dearly.<\/p>\n

How does your loan rate shape up?<\/h3>\n

It\u2019s not just that large numbers of borrowers can\u2019t pinpoint their loan rate.<\/p>\n

Mozo also found one-in-five home owners have never compared rates since taking out their loan.<\/p>\n

Your home loan may have had a competitive rate back in the day, but in a rapidly changing mortgage market, that may no longer be the case. And with the\u00a0cash rate at its highest since late 2011<\/a>, there\u2019s little room for complacency.<\/p>\n

For a quick check of how your home loan rate stacks up, head to your latest loan statement to find out what it is. It should show the rate you\u2019re paying. Or call us, and we\u2019ll let you know.<\/p>\n

By way of comparison, the average home loan interest rate for owner-occupiers is currently 6.4%, and 6.3% for new home loans, according to the\u00a0Reserve Bank of Australia<\/a>.<\/p>\n

Why it pays to regularly review your home loan<\/h3>\n

Staying on top of your loan isn\u2019t just about the rate you pay.<\/p>\n

Your loan might have been the right choice for you a few years ago. But our lives evolve, and your mortgage may not have the features you need for your current lifestyle and budget.<\/p>\n

That\u2019s why it\u2019s worth taking a close look at your loan at least annually, or whenever you experience a major life change such as starting a family.<\/p>\n

Understanding how your loan is performing for both rate and features is easy. Speak to us about a home loan review.<\/p>\n

As part of our review, we can let you know:<\/p>\n

\u2013 the rate you are paying;
\n\u2013 if your loan offers the features you want; and
\n\u2013 whether you could save by refinancing.<\/p>\n

Is refinancing right for you?<\/h3>\n

If you\u2019ve been wondering if you could do better on your home loan, give us a call today to discuss your refinancing options.<\/p>\n

We\u2019ll help you work out if refinancing is the right step for you and how much you could save by switching to a new loan and\/or lender.<\/p>\n

Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"

Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand\u2019s name \u2013 all very much socially acceptable things to forget. Your home loan rate shouldn\u2019t be on that list. It\u2019s a fair bet that your home loan repayments are one of your biggest household […]<\/p>\n","protected":false},"author":23,"featured_media":5413,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[110],"tags":[],"class_list":{"0":"post-5412","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-loans","8":"entry"},"yoast_head":"\nCan you remember your home loan interest rate? · FinancialPlus Mortgage Broker Gold Coast<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/financialplus.com.au\/can-you-remember-your-home-loan-interest-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can you remember your home loan interest rate? · FinancialPlus Mortgage Broker Gold Coast\" \/>\n<meta property=\"og:description\" content=\"Where you put your car keys, who won the footy premiership three years back, the new prime minister of New Zealand\u2019s name \u2013 all very much socially acceptable things to forget. 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