How healthy is your home loan?

Seven quick questions. You'll get a score and the three things most worth doing straight away, with no sign-up.

Questions

When did you last compare your home loan with what's on offer?

Question 1 of 7

When did you last compare your home loan with what's on offer?

In the last yearOne to two years agoMore than two years agoNever

What kind of rate are you on?

Question 2 of 7

What kind of rate are you on?

VariableFixed, with more than 6 months leftFixed, ending in the next 6 monthsSplit: part fixed, part variableNot sure

Do you know your current interest rate?

Question 3 of 7

Do you know your current interest rate?

Yes, exactlyRoughlyNo idea

Do you have an offset account?

Question 4 of 7

Do you have an offset account?

Money in an offset reduces the balance you pay interest on.

Yes, and our savings sit in itYes, but we don't really use itNoNot sure

Roughly how much do you owe compared with what your home is worth?

Question 5 of 7

Roughly how much do you owe compared with what your home is worth?

Less than 60%60% to 80%More than 80%Not sure

What other debts do you have?

Question 6 of 7

What other debts do you have?

NoneCredit cards I pay off every monthA car loan, personal loan or card balanceSeveral of those

What's likely in the next two years?

Question 7 of 7

What's likely in the next two years?

Staying putRenovatingBuying another propertySelling

0 of 7 answered

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Chocolate Home Loans is Credit Representative [credit rep number] of [licensee name], Australian Credit Licence [ACL number].

Chocolate Home Loans is a mortgage broker, not a lender. We arrange loans with lenders on our panel and are usually paid a commission by the lender; we'll tell you how much before you apply.

The calculators and articles on this site are general information only. They don't take your objectives, financial situation or needs into account and aren't credit assistance. Talk to us before acting on them. All loans are subject to the lender's approval and terms.