Service · 06
The check your bank won't give you .
Included for existing clients. A written annual review of every active loan against the current market — same panel, same metrics, every year. No fee. No upsell.
01 · In practice
The Annual Review is a written one-page memo per loan.
Each year on or near the anniversary of your settlement, the active loan is reviewed against the panel: what the rate was at settlement, what the rate is now, what the panel is offering this quarter for the same structure, and whether it is worth doing anything about it.
Sometimes the verdict is "stay where you are." Sometimes it is "let us renegotiate with the existing lender." Sometimes it is "let us refinance." Whichever it is, it is written down so you have a record of why the decision was made.
02 · Questions we cover
Four questions answered, in writing, every year.
Whether your current rate is still competitive with the broader panel.
Whether your loan structure (P&I vs interest-only, fixed vs variable, offset usage) still suits your situation.
Whether refinancing now wins you money net of switch costs — or whether it is better to stay.
Whether to renegotiate rather than refinance — sometimes the existing lender will match a competitor offer.
03 · What to gather
A short list — the review is light-touch by design.
Most recent loan statement (last six months).
Any updated income evidence if your circumstances have changed since last year.
A short note on what has changed since the last review — job, income, family, plans for the next 12–24 months.
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.