Mortgage Structure Review

Interest rates change regularly.
Life changes less predictably.

Many people review their loan only when prompted by rate movements, yet the most significant limitations often come from structure, not pricing.

A mortgage structure review looks at whether your loan is still fit for purpose — not just whether it is competitive on paper.
 

A loan that was appropriate at one stage of life may no longer suit:

• A change in income or employment
   
• Family growth
   
• Investment plans
   
• A desire for greater flexibility or certainty
   

Without review, structural limitations can quietly reduce options over time.You’re not sure your loan structure is still optimal
 

A mortgage structure review may include:

• Loan type and configuration
   
• Fixed vs variable components
   
• Offset and redraw effectiveness
   
• Restrictions or policy limitations
   
• Alignment with current and future goals
   

Our focus is on identifying practical implications, not just technical details.Risk points (fixed periods, exit costs, policy limitations)

A structure review is:

• Objective
   
• Strategic
   
• Focused on understanding and alignment
   

It is not:

• Automatically a refinance
   
• A sales exercise
   
• A rate-chasing exercise
   

In some cases, the best outcome is confirming that no change is required.

Small structural adjustments can sometimes:

• Improve cashflow management
   
• Increase flexibility
   
• Preserve future borrowing capacity
   
• Reduce long-term stress
   

The goal is clarity, not unnecessary change.