Mortgage brokers in Norwest, helping the Hills District and Sydney
Home loan health check, Sydney
Has your home loan been left alone for a while? Sumit checks your rate, fees, offset, structure and fixed rate expiry against what lenders offer today, then tells you plainly whether to stay, reprice, refinance or restructure.
5.0 from 360+ Google reviews
Updated November 2026
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Home loan health check, updated November 2026
A home loan health check is a free review of the loan you already have. Sumit compares your rate with what lenders offer borrowers like you today, then checks your fees, offset, structure, fixed rate expiry, equity and other debts.
It is not a sales pitch to refinance. Plenty of health checks end with a better rate from the lender you already have, or a small change such as an offset set up properly. If a switch does pay, our refinancing service handles it.
We work from your statements. Nothing goes to a lender and nothing touches your credit file unless you decide to apply.
Priced across 50+ lenders, including your own, for your loan size, equity and income.
Stay, reprice, refinance or restructure, with the numbers behind it and the costs of any change set out first.
Quick answer
Once a year, and any time something changes: a fixed rate about to end, a rate rise, a new job or baby, or plans to renovate or invest. A loan nobody has looked at for two years or more is the one most worth checking.
The check
Eight things, in plain English. Rate is only one of them. The structure, the offset and what you plan to do next often matter as much.
Yoni Marlow
5 years ago on Google
Working with Sumit has been the best. I’ve made three purchases using Sumit as my broker. Further more he is always available to work on getting better rates from the bank during the duration of the loans. Definitely recommend!
We price your loan size, equity and income across our lender panel, so you see how your rate compares for a borrower like you right now.
Annual package fees, account fees and offset fees. We check whether each one still earns its keep on the way you use the loan.
Is your spare cash actually in the offset? Is it a full offset? We check how the offset and redraw work and whether you use them well.
Principal and interest or interest only, fixed and variable splits, and whether home and investment debts sit in separate loans.
When your fixed term ends, what it rolls onto, and whether to plan a rollover, a new fixed term or a switch before it does.
If your home has grown in value, your loan to value ratio may have dropped. That can open better pricing, or show where LMI would apply again.
Car loans, credit cards and personal loans. We look at whether rolling them in helps, and what a longer term would cost you in interest.
Renovating, investing or upgrading soon? We check what you could borrow, so the loan you keep today does not block the next move.
Free, no obligation. Sumit reads every enquiry.
5.0 from 360+ Google reviewsTwo minute check
Read each line and see how many are true for you. If two or more are not, your loan is worth a proper look.
Two or more you could not tick? Let Sumit check it for you.
Get my free checkWhat happens next
We tell you which one fits, with the numbers behind it. Any change that costs more than it saves, we tell you not to make.
Outcome 1
If your lender is still a good fit, we help you ask for a sharper rate. Knowing what other lenders would offer makes that request much stronger.
Outcome 2
If another lender comes out ahead after switching costs, our home loan refinancing team runs the whole switch for you, from application to discharge.
Outcome 3
Add an offset, split the loan, fix part of it, or release home equity for a renovation or an investment, often without changing lenders.
Case studies
Three real files from 2026. One couple refixed for certainty, one moved off low doc pricing they no longer needed, and one released renovation money without refinancing the existing loans. Client details are private; the numbers are real.
Free, no obligation.
The clients owned their home, valued at about $2.35M, with a loan of around $735K.
Reviewed fixed, variable and split options across our lender panel.
+2 more in the full story
A known repayment for the next two years, which made the household budget easy to plan.
+2 more in the full story
The situation
The clients owned their home, valued at about $2.35M, with a loan of around $735K. With rates rising through 2026 they wanted to stop guessing what their repayments would be from one month to the next.
What we did
The result
Rate shown is the rate this client received in 2026. Rates change often and depend on your circumstances, so yours may differ.
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M.
Checked whether a full refinance would actually leave them better off. It would not.
+2 more in the full story
Access to their equity without disturbing loans that were already working for them.
+2 more in the full story
The situation
The clients owned their home, valued at about $1.85M, with two existing NAB loan splits totalling around $1.006M. They wanted to fund non-structural renovations and upgrades and assumed they would need to refinance everything to do it.
What we did
The result
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender.
Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
+3 more in the full story
Much lower rates across $1.6M of home and investment lending.
+2 more in the full story
The situation
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender. Another broker had set them up on low doc loans because their tax returns were not ready at the time, so both loans were on high rates.
What we did
The result
The interest only change was made on the advice of the clients and their accountant. RyRo does not give tax advice. Speak to your accountant about negative gearing.
Timing
Any time is fine. These four moments are when a check is most likely to find something worth changing.
When a fixed term ends, the loan usually rolls onto a variable rate you did not choose.
The roll-off date and rate, your lender's rollover offer, and whether to refix, go variable or move. Start a few months before the end date so there is time to compare.
A cash rate rise flows into your repayments. It is a good time to see where your rate sits now.
How your rate compares for your profile today, whether an offset or extra repayments could soften the rise, and whether your lender will reprice.
A new baby, a new job, a separation, starting a business or planning a renovation all change what your loan needs to do.
Your income and borrowing power now, whether the structure still fits, and how to plan for what is coming before you need to apply.
If nobody has looked at your loan for two years, your balance, equity and the market have all moved on.
Your current rate against today's pricing for your profile, the fees you are paying, and whether your equity now opens better pricing.
If the health check is the first step towards a renovation, an investment property or your next home, see our page for existing homeowners. It covers using equity, buying before you sell and keeping your first home. Wondering about timing a switch? Our guide on when to refinance a home loan sets out the signs.
Run your numbers
A health check often finds money in the loan you already have. Savings sitting outside the offset, or a few dollars a week extra, can cut years and interest off the loan.
Every dollar in a full offset account reduces the balance you pay interest on, while staying yours to use.
Put your balance and a lower rate into our loan repayment calculator to see the monthly difference on your own loan.
Your estimate
Interest saved with the offset
$202,175
And the loan is paid off 4 years 8 months sooner.
| Measure | No offset | With offset |
|---|---|---|
| Total interest | $695,029 | $492,854 |
| Paid off in | 30 years | 25 years 4 months |
| Monthly repayment | $3,597 | $3,597 |
That is about $3,084 less interest in the first year alone. Your offset catches up with the loan balance in about 24 years 2 months.
Assumes a 100% offset, principal and interest with the same monthly repayment in both cases, the rate staying the same and no fees. Lenders charge interest daily; this works monthly, so treat it as a close guide.
Figures last checked .
This is an estimate, not financial advice. Results are a guide only. Speak to a broker for accurate figures based on your situation.
Free, no obligation. Your numbers go with your enquiry.
5.0360+ Google reviews
How it works
Four steps. You only send more paperwork if you decide to change something.
Step 1
Two minutes on the form, then send your latest statement. No credit check.
Step 2
He compares your rate, fees and structure with lenders whose policy fits your profile, including your current lender.
Step 3
Stay, reprice, refinance or restructure, with the costs of any change set out first.
Step 4
A repricing request, a refinance or a restructure: we prepare it and keep you updated to the end.
Not sure where to find something? Ask Sumit and he will tell you.
5.0 from 360+ Google reviewsStep 1 takes about two minutes.
Sumit Joshi JP
Principal broker, Credit Rep 446824
Who you will deal with
Sumit does your health check himself. He has reviewed home loans for Hills District and Sydney families for years, and many of his Google reviews come from clients he has helped more than once.
Based in Norwest. Meet us at the office (see our Norwest mortgage broker page) or do it all by email. We review loans for homeowners right across Sydney, as a Sydney mortgage broker.
Free, no obligation.
Google reviews
Rated 5.0 out of 5 from 360+ Google reviews. These mention refinancing and restructuring, word for word.
5.0
From 360+ Google reviews
Guru Prasadh
3 years ago on Google
Sumit has been my mortgage broker for over couple of years, and this time he and his team helped me to refinance my loan & they provided best possible advice with regard to rates and assisted in loan restructure as well. The paper work was easy to follow and without hassles. Sumit is always a very approachable person and someone who would be willing to walk the extra mile to provide additional insights. I would highly recommend his services for both new home buyers & investors.
Kesan Ramamoorthy
4 years ago on Google
Simply Awesome! RyRo made my home loan refinance look very easy but I know having a complex loan structure, it's a very difficult job to do. So thank you Sumit for all your help and constant updates throughout the loan process.
Anil Kumar
3 years ago on Google
I have been working with Sumit from last 3 years now and no complaints. He is a trusted advisor who always provides me with worthy information, I trust him as he comes up with best deal in your own interest. Thanks to him and his team, Kathryn for helping me refinance just now, hassle free. Highly recommend.
Gurbaksh Dhillon
2 years ago on Google
Sumit and his team are exceptionally knowledgeable about the mortgage process. They secured an excellent refinancing deal for me with minimal documentation required, making the submission process straightforward and hassle-free. Every team member was professional, courteous, and approachable. I highly recommend their services.
FAQs
Have a question not covered here? Ask Sumit directly or book a free strategy call.
Free home loan health check
We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us.
Sumit Joshi JP
Principal broker, Credit Rep 446824
More videos from Sumit
“We have consulted with RyRo Loan Centre for 2 refinancing packages and on both occasions Sumit has ensured that our needs were met far beyond expectations. Sumit has exceptional knowledge in the field and makes the process very simple and efficient.”
Sumit Joshi JP, Credit Rep 446824. AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026. General information only. Rates, fees and lender policies change and depend on your circumstances.
