What does the health score represent?
It is a directional indicator based on your inputs. It helps identify pressure points and review priorities but does not replace lender-specific assessment.
Quick answer
The home-loan health check scores your current structure across repayment pressure, rate competitiveness, and review cadence to highlight improvement opportunities.
It is a directional indicator based on your inputs. It helps identify pressure points and review priorities but does not replace lender-specific assessment.
At least annually, and after major rate movements or income changes. More frequent checks can reveal refinance or restructure opportunities earlier.
Not always. Sometimes small changes like repayment frequency, expense control, or partial fixed-rate strategy can improve position without switching lenders.
Review the weakest score categories and model alternatives. Then validate options with a broker before making structural changes to your loan.