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TSA FinancialPERSONAL FINANCE.
LOCAL FOCUS.

YOUR EXISTING LOAN

A loan review starts with the whole picture.

A different rate is only one part of a loan review. Start with what you have now, what you would like to change and the cost of making that change.

Let’s talk about your loan Call 02 8598 8548

01

Put your current loan on one page

Make a short summary of your balance, interest rate, repayments, remaining term and recurring fees. Note whether any part of the loan is fixed and when that fixed period ends. Add the features you actually use, such as an offset account or the ability to make extra repayments.

Then write one sentence about your goal. It might be a more manageable household budget, a different feature or simply understanding whether your current arrangement still suits you. That gives the conversation a clear starting point.

02

Compare the cost of changing

A new loan can involve discharge, application and other costs. Fixed-rate break costs may also apply. Ask for the relevant figures and compare them with the potential benefit over the time you expect to keep the loan.

Extending the loan term can reduce regular repayments while increasing total interest. Ask to see the comparison using the remaining term as well as any proposed new term. A smaller monthly figure alone does not show the full cost.

03

Bring the review back to your life

Before comparing options, tell TSA about plans that could change your needs: moving home, parental leave, a different work arrangement, or an expense you are planning for. Include your current commitments, rather than relying on the information from your original application.

  • What would make the loan easier to live with?
  • Which current features would you miss?
  • How long do you expect to keep the property?
  • Would you prefer to ask your current lender for a review first?

04

Ask for a clear comparison

A useful review should make it easy to see what changes and what stays the same. Ask your broker to explain the proposed repayments, fees, term and relevant conditions alongside your current position. Keeping your existing loan may be one outcome of the conversation.

There is no guaranteed saving or approval. The right next step depends on the assessment and your priorities. Start with your suburb and the reason for your review; you do not need to submit loan statements through this website.

KEEP EXPLORING

Home-loan help, closer to home.

2120Thornleigh2120Pennant Hills2077Hornsby

NO QUESTION IS TOO SMALL

A little clarity
goes a long way.

New to home loans? You’re in the right place.

Do I need to be ready to apply?

No. You can start with a conversation about your goals, savings and timeframe. We’ll help you understand what to consider before applying.

Is there a cost to speak with you?

An initial conversation costs nothing. Generally, TSA does not charge for credit assistance, although a fee may apply in some situations. Any fee for our service will be explained in a Credit Quote before you proceed. Lender and other third-party fees may also apply.

Can you check my existing home loan?

Yes. We can review your rate, features, fees and loan structure, then discuss whether keeping your current loan or refinancing may suit your circumstances. We consider switching costs as part of that conversation.

What if I’m self-employed?

Tell us how your business and income work. We’ll explain the documents lenders may require and explore options based on your situation. All lending remains subject to lender assessment.

What should I bring to our first chat?

A rough idea of your income, savings, regular expenses, debts and plans is a useful start. You don’t need to have all your paperwork ready. We’ll explain what’s needed as we go.

A FRIENDLY FIRST CONVERSATION

Let’s talk about
your next move.

Share the basics. We’ll talk through your plans and the next steps together.

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Start a home loan enquiry.

Ask us about refinancing. We’ll talk through the rest.

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READY WHEN YOU ARE

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