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A clearer path towards mortgage freedom

Could your current home loanbe holding back yourmortgage-free date?

Get a personalised written review showing your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs, and whether staying, repricing or refinancing may be suitable.

See How It Works

No pressure to switch. If the assessment does not identify a worthwhile and sustainable potential benefit, the outcome may be to stay with the current lender or request sharper pricing from it.

Trusted by homeowners across Australia.
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Lenders on Our Panel

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What We Charge You

You're dealing with

A licensed mortgage broker — not a comparison site.

Every application is handled by Tanuj Kapoor — Mortgage Broker at Jabsons Finance (credit representative 557159 of BLSSA Pty Ltd, ACL 391237).
  • Not a comparison site
  • Not a lead marketplace
  • No fees to homeowners
The Life Beyond the Loan

Mortgage freedom is not only a date. It is more choice.

For many homeowners, owning their home outright represents more than removing a monthly repayment. It may mean greater flexibility over work, family, retirement and how future income is used.

No review can promise those outcomes. But understanding your current position, possible pathways and important trade-offs can help you make a more informed decision about what happens next.

More room in the budget

A home loan can take up a significant part of household cash flow. Understanding the repayment path may help you assess where changes could be worthwhile and sustainable.

More choice over work

A lower mortgage balance or earlier payoff may provide greater flexibility to change pace, reduce hours or pursue different priorities later in life.

More confidence approaching retirement

Knowing the estimated mortgage-free date can make it easier to consider how the home loan fits with longer-term plans.

More capacity for what matters

Reducing mortgage pressure may create more flexibility for family, experiences, savings and other priorities—but individual outcomes will vary.

Why reviewing the mortgage matters now

"In July 2026, Roy Morgan estimated that 32.5% of Australian mortgage holders were at risk of mortgage stress. The measure is based on mortgage repayments relative to household income and spending."
Roy Morgan, July 2026 mortgage-stress estimates

Clarity comes before change.

The Mortgage Freedom Review starts by estimating where the current loan may be heading. It then considers possible repayment and interest scenarios, relevant switching costs and whether staying, repricing or refinancing may be suitable.

Compared Across Leading Australian Lenders

We shop your loan across 60+ banks and non-bank lenders.

ANZ
CBA
Westpac
NAB
Macquarie
ING
Suncorp
Bankwest
St.George
AMP
Auswide Bank
Bank Australia
Bank First
Bank of China
Bank of Melbourne
Bluestone
Brighten
FirstMac
Granite Homeloans
Judo Bank
Liberty
Latrobe Financials
ubank
OwnHome
People First Bank
Pepper Money
Resimac
+50 more
ANZ
CBA
Westpac
NAB
Macquarie
ING
Suncorp
Bankwest
St.George
AMP
Auswide Bank
Bank Australia
Bank First
Bank of China
Bank of Melbourne
Bluestone
Brighten
FirstMac
Granite Homeloans
Judo Bank
Liberty
Latrobe Financials
ubank
OwnHome
People First Bank
Pepper Money
Resimac
+50 more
03 — How It Works

A clearer decision starts with the current loan.

The Mortgage Freedom Review begins with the information available about your current home loan. From there, the broker can clarify your objectives, prepare estimated scenarios and explain whether staying, requesting repricing or considering refinancing may deserve closer attention.

Submitting the initial form is an enquiry—not a loan application or approval.

  1. 01Step 1 of 4

    Share the starting details

    Provide a few initial details about the current loan, property and primary objective through the Mortgage Freedom Review form.

  2. 02Step 2 of 4

    Clarify the current position

    The broker may contact you to confirm the information supplied, understand your objectives and identify any additional details needed to prepare a useful review.

  3. 03Step 3 of 4

    Receive the written review

    Using the information available and stated assumptions, the Review can outline the current estimated mortgage-free date, possible repayment and interest scenarios, relevant switching costs and the paths that may warrant consideration.

  4. 04Step 4 of 4

    Choose the next step

    After the options and trade-offs are explained, the customer can decide whether to make no immediate change, request repricing or explore a refinance application.

You remain in control of the decision.

The Mortgage Freedom Review is designed to clarify the possible paths. It does not require you to refinance, apply for credit or change lenders.

No obligation to switch lenders.

07 — Common Questions

Questions about the Mortgage Freedom Review

Understand what the Review covers, how the process works and what may happen after the possible paths have been considered.

A Mortgage Freedom Review is a personalised written review of your current home loan and possible pathways forward. Based on the information available and stated assumptions, it may show your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs and whether staying, requesting repricing or considering refinancing may be suitable.

The Review contains estimates. It is not a loan approval, credit offer or guarantee of savings or earlier repayment.

Still unsure whether your current loan deserves a closer look?

The Mortgage Freedom Review can help you understand the current estimated payoff path, possible scenarios and the relevant trade-offs before deciding what to do next.

Your Next Step

Your mortgage has a direction. Is it still the right one?

Request a personalised written Mortgage Freedom Review to understand your current estimated payoff date, possible repayment and interest scenarios, relevant switching costs and whether staying, requesting repricing or considering refinancing may be suitable.

The purpose is not to push you towards another lender. It is to help you see the possible paths more clearly before deciding what to do next.

  • A written review based on the information available.
  • Stay, reprice or refinance may each be an outcome.
  • No obligation to change lenders or apply for credit.

Submitting the form starts an enquiry for a Mortgage Freedom Review. It is not a loan application, credit approval or offer of credit.

Results are estimates based on the information provided and stated assumptions. Savings, rates, approval and earlier repayment are not guaranteed. Valuation, lender criteria, affordability, fees and product terms apply. Refinancing may not be suitable for everyone.

homeloansrefinance.com.au is a lead-qualification and information service. Credit assistance is provided by the responsible mortgage broker through Jabsons Finance, subject to the credit-representative and Australian Credit Licence disclosures displayed on this website.