08 Existing loans
Annual loan review and settlement support
We check in once a year, and we are still the ones who pick up when something changes.
Most of what goes wrong with a loan happens years after settlement. A fixed period ends and nobody notices. An offset account sits unused. A redraw request is knocked back on a technicality. A change of job means the structure no longer fits the household. Every client goes into an annual review cycle at settlement, and we handle the lender conversation instead of sending you to a call queue with a reference number.
What is included
- Annual review of structure, features and repayments
- Diary reminder well before any fixed period ends
- Help with redraw, offset and repayment change requests
- A straight answer on whether it is time to move lenders
No fee to you
Free for our clients and included for the life of the loan. We would rather review a loan than lose it.
Book a reviewor call (02) 5550 0020
02How it runs
5 steps, in this order
Typical first appointment: 20-30 min review call. You are told which step we are on, without having to ask.
- 01 We diarise your review date on the day you settle
- 02 You get a call or a short form before the review
- 03 We check the loan against the current panel
- 04 We recommend staying or moving, in writing
- 05 If nothing needs doing, we say so and leave you alone
03Asked often
Before you ring
If your question is not here, it is probably on the FAQ page, and if it is not there either, ring and ask.
What happens when my fixed period ends?
We contact you before it does, so you are choosing what happens next rather than being moved onto whatever the lender applies by default.
Do I have to switch every time you review?
No, and most years you will not. Plenty of reviews end with a short note saying the loan is still doing its job and to enjoy the rest of your year.
What if my situation changes between reviews?
Ring us then rather than waiting. A new job, a baby, a business, a separation or a renovation all change what your loan should be doing, and the earlier we know the more options are still open.
What people usually pair this with
10The first chat
Start with the first chat
Sixty to ninety minutes, at your table or ours, evenings available. Nothing to pay and nothing committed. Long enough for us to tell you what is actually possible and whether we are the right fit.
What to bring
- Recent pay slips, for both of you if you are buying together
- Three months of bank and credit card statements
- Photo identification
- A rough idea of what you already owe
- Two years of financials and tax returns, if you are self-employed
Or skip the form
(02) 5550 0020- Mon to Wed 8:30am to 5:30pm
- Thu 8:30am to 7:00pm
- Fri 8:30am to 4:00pm
- Sat 9:00am to 12:00pm, by appointment
- Sun Closed
Evening and weekend appointments are normal in this trade. Leave a message on the office line or text Marty on 0491 570 156 and you will hear back the same day.
Thanks, that is everything we need
Demonstration only. Nothing was sent and nothing was stored. On a live site this would reach hello@junctionhomeloans.com.au and a booking would be confirmed by phone.