Make Your Home Loan
Work Smarter for You
Your home loan shouldn't just sit there. AML Home Loans reviews your current mortgage, negotiates with lenders, and finds you a better deal — often saving thousands of dollars a year. It's free, fast, and obligation-free.
Average Annual Saving
$4,200+ per Household
Why Review Your Home Loan Now?
The mortgage market moves constantly. If you haven't reviewed your loan recently, chances are your bank isn't offering you its best deal.
Interest Rates Have Changed
Rate cycles shift regularly. What was competitive two years ago may now be significantly above market. A review takes 30 minutes — the savings can last years.
Your Home Has Grown in Value
Rising property values increase your equity — and a lower LVR (loan-to-value ratio) can unlock better rates and terms you didn't previously qualify for.
Your Fixed Rate Is Expiring
Rolling onto a variable rate without shopping around is the most common and costliest mistake homeowners make. We help you refix or refinance at the right time.
You Could Access Your Equity
Renovation, investment, or lifestyle upgrade — the equity in your home can work for you. We structure a top-up or refinance to make it happen efficiently.
Better Products Now Exist
The home loan market has evolved. Offset accounts, cashbacks, and flexible structures are available to more borrowers than ever — your current lender may not offer any of them.
Your Life Has Changed
New job, growing family, reduced income — life changes mean your loan structure should too. We reassess your situation and rebuild a structure that fits where you are now.
How AML Makes It Simple
We do the heavy lifting — comparing lenders, negotiating rates, and managing paperwork — so you get a better deal without the stress.
Access to Multiple Lenders
We compare the full market — not just your current bank. Major banks, credit unions, and specialist lenders compete for your business so you don't have to negotiate alone.
Completely Free to You
Our service costs you nothing. We're paid a commission by the lender after your loan settles — so our interests are perfectly aligned with getting you the best outcome.
We Negotiate on Your Behalf
We approach lenders directly with your file and negotiate rates, cashbacks, and fee waivers that are rarely available to individual borrowers walking in off the street.
One Adviser, Start to Finish
A dedicated mortgage adviser manages everything — from your review through to settlement. No call centres, no being bounced around departments.
Your Home Loan Check-Up —
3 Simple Steps
From your first conversation to a better mortgage — it's faster and simpler than most people expect.
Book a Free Chat
Tell us about your current loan, goals, and timeline. No paperwork required upfront — just a friendly, no-pressure conversation with one of our advisers.
We Review & Compare
We analyse your current loan structure, check what the market is offering, and run a full lender comparison — then present your options in plain English.
We Negotiate & You Save
We approach lenders on your behalf, secure the best available deal, and manage the entire switch — so you start saving without lifting a finger.
What Could You Save?
Even a 0.25% rate improvement on a $600,000 mortgage saves over $1,500 per year. Most homeowners we review are sitting on much larger savings than that — simply because they haven't had their loan independently reviewed.
0.5%+
Avg. rate improvement
$4.2k
Avg. annual saving
2–4
Weeks to switch
Home Loan Options for Current Owners
Not sure what kind of change you need? Here's a plain-English breakdown of the most common options — we'll recommend the right path after your free review.
Refinance
Move your mortgage to a new lender for a better rate, lower fees, or a structure that suits you better. We manage the switch end-to-end.
Top Up Your Loan
Access the equity you've built in your home for renovations, investment, education, or any other financial goal — without a full refinance.
Refix Your Rate
Your fixed rate is expiring — now is the ideal moment to shop around and lock in a sharp new rate before your bank automatically rolls you over.
Restructure Your Loan
Split your loan, change your repayment type, or redesign the structure around your current income and goals — without necessarily switching lenders.
Your Bank Works for the Bank.
We Work for You.
Bank mortgage advisers can only offer their own products. We're independent — we work with multiple banks and lenders and our sole job is to find you the best deal in the market. There's no conflict of interest, no upselling, and no hidden agenda.
We compare multiple banks and lenders — not just one bank's product range
We negotiate rates and cashbacks not available to the public
We're paid by lenders, never by you — our incentive is your best outcome
We stay with you beyond settlement for future reviews and rate checks
Home Loan Review FAQs
Honest answers to the questions homeowners ask us most — straight from our advisers.
Why should I refinance my mortgage?
Refinancing lets you secure a better interest rate, reduce your monthly repayments, access your home equity, or consolidate debt. Even a small rate reduction can save thousands over the life of your loan. If your current loan was set up more than 2 years ago, there's a good chance the market has moved — and you may be leaving money on the table.
How often should I review my home loan?
We recommend reviewing your home loan at least once a year, and especially before each fixed-rate expiry. The lending market changes regularly — new products, rate drops, and cashback offers can all represent significant savings. A quick annual check-up with us takes less than 30 minutes and costs you nothing.
Do I have to switch banks?
No — and we'll always start by negotiating a better deal with your current lender. If they can't match the market, we'll then compare multiple lenders and move you if it's genuinely in your interest. The choice is always yours, and we'll give you a clear comparison before you decide.
How long does refinancing take?
Most refinances complete in 2–4 weeks from start to settlement. If you have your documents ready and your property is straightforward, pre-approval can be issued within a few days. We manage the entire process — including liaising with your current lender, the new lender, and your solicitor — so you don't have to.
Does it cost anything to review my loan?
No. Our home loan review and advisory service is completely free to you. We're paid a commission by the lender only after your loan settles. There are no upfront fees, no obligation to proceed, and no cost to simply find out where you stand.
What if I'm locked into a fixed rate?
If you're still in a fixed-rate period, there may be break costs involved in switching early. We calculate your break fees upfront and compare them against your potential savings — so you can make an informed decision. In many cases, the long-term savings outweigh the short-term break cost. We'll show you the numbers clearly.
Can I access equity in my home?
Yes — if your home has increased in value or you've paid down a portion of your loan, you may be able to top up your mortgage to access that equity. This can be used for renovations, investment, or other financial goals. We'll assess your available equity and the best way to structure the drawdown.
Will refinancing affect my credit score?
Applying for a new loan involves a credit check, which can cause a small, temporary dip in your score. However, securing a lower rate and managing one affordable repayment consistently will generally improve your credit profile over time. We minimise unnecessary credit enquiries by only applying once we're confident of approval.
What documents do I need for a home loan review?
Typically: your latest mortgage statement, 3 months of bank statements, recent payslips (or 2 years of accounts if self-employed), and a copy of your ID. We'll send you a personalised checklist after your initial chat so nothing is missed.
How do I know if I'm getting a good rate?
The best way is to have us run a free market comparison. What your bank quotes you publicly is rarely the sharpest rate available. We negotiate directly with lenders on your behalf — often securing rates, cashbacks, and fee waivers that aren't publicly advertised.
Ready to Make Your Home Loan
Work Harder?
Book a free, no-obligation home loan review today. In 30 minutes, you'll know exactly where you stand — and what you could save.