The signs of a healthy home loan

We can help you work out whether your current home loan deal is costing you too much in a moment – but first, here’s how much you could save.

Make sure you have a good rate

With the recent RBA announcement keeping the cash rate on hold at a historic low of 0.1%, now is the time to refinance. But never assume this means you automatically have your lender’s best rate, or the best rate on the market for that matter.

You can easily find out if you could be on a better rate and saving money by refinancing in just a few minutes, simply by

Make sure your signed up to receive notifications of rate changes

Don’t settle for the ‘set-and forget’ approach to your home loan. If you sign up to our loanScore and opt in for rate change notifications, we will send you an email every time your lender’s rate has changed so you can take action.

But it’s also so much more than this.

Think of loanScore as a free check-up for your home loan. It helps you understand whether your home loan is in good health. The lower your score, the higher the chance that you could save.

Getting your loanScore is super easy and only takes 2 minutes (less than the time it takes to blend a green juice!). All you have to do is:

Fill in your loan details
Get your loanScore
See how much you could save
Set a savings threshold for alerts
Take action easily

Take advantage of available home loan features

Does your home loan offer features like a mortgage offset account, which helps you pay less interest? Does it offer a redraw facility or even let you make additional payments on your home loan without being charged a fee?

Maybe you don’t have the features you need? There might be plenty of other products out there that will deliver, so why not shop around? Speak to one of our

Are you actively managing your home loan?

The answer is probably no – who has the time?

We do. In fact, that is all we do here at
. Our job does not stop when we refinance, renegotiate or settle a home loan for our customers. If we find opportunities where customers can save, our experienced brokers can help negotiate better deals for them. So, why not let us manage your home loan?

If you follow these easy check-up rules, you can be sure you’re never paying more than you should on your home loan, spending less time worrying about it (and more time at F45!).

Australians are on the whole a pretty health-conscious nation. Not just in the way we live and eat, but more so now as we all take steps to keep ourselves, our families and our loved ones safe and healthy during COVID-19.

But Aussies’ bodies aren’t the only thing we should treat as a temple that needs regular check ups — we should think the same way about our home loan.

Why? Because saving money on your home loan might be what allows you to actually buy a temple one day.

So we can all agree, we know what a healthy body looks like – but do you know what a healthy home loan looks like?

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Need help with your home loan?

UNO Brokers are available night and day for a quick review or your situation and bring expertise that will support better decision making that will save you time and money. Book in a quick call when it suits your busy schedule

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This is a much better way to compare home loans than comparison rates or total cost

Discover the best way to determine if you're getting a great deal on your home loan. In this episode, the host introduces a new formula that focuses on the total cost of the loan over a three-year period, including interest, fees, and insurance. Learn why this approach is more valuable than just looking at interest rates and comparison rates. If you want to make an informed decision about your home loan, tune in and talk to a home loan broker.

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TESTIMONIALS

What our customers are saying

Nadine Steffens

April 19, 2024

Scott and the team at Uno are absolutely 💯 amazing. I don't think I could have done my loan on my own. They are highly motivated and I do recommend them.

Andrew

April 16, 2024

Dealing with Scott Wilkinson was an absolute delight. Scott is tenacious, hard working and readily available. He made a very stressful process for me and my partner smooth sailing. Would highly recommend.

Liam Sugiono

April 15, 2024

Amy and her team were efficient and knowledgeable as our broker. They were easily contactable and ensured all our needs were met.

Mike Vincent

April 10, 2024

Andrew is the best broker I have worked with and one of the few people who understands the investment journey from both a personal and professional standpoint. Andrew is an asset to anyone from a first home buyer to a seasoned investor.

Yu Su

April 9, 2024

Amy was very help and quick respond when I have questions. Really recommended.

John Cahill

March 7, 2024

Scott Wilkinson was my broker last year when I sought finance for a new property investment and refinance for my property port folio. He was an absolute delight to work with. He was always professional, on time and always available to talk at a moment's notice to discuss my credit options and give well considered advice; usually this was very much after-hours due to my work commitments during the day. He was always happy to talk. I had not used a mortgage broker in a long time opting to do the re-financing myself. This was primarily due to disappointing experiences I'd had with mortgage brokers in the past. However with the increasing complex nature of dealing with credit providers, I could see that I needed a good advocate to act on my behalf for this particular refinance. In all honesty I did not hold much hope that in the current credit environment I would be able to secure the finance I required for the new property investment I was wishing to secure. Scott found a way however and was able to secure the finance along with the refinance of my portfolio. I have since referred friends to Scott and I know they have been very happy with his work. He is ideal for property investors who have busy day-jobs and need someone who understands property investment strategy and is able to tailor credit advice and options to their needs. Scott provides this advice and information in a way that is clear and concise. He kept me up to date continually during the application process. He made what could have been a very stressful and frustrating process easy and straightforward. I could not recommend Scott and the team at UNO Home Loans more highly. They are all a delight.

Sally Mackenzie

February 19, 2024

We chose Uno Home Loans from their impressive web site knowing we were going to find it hard, on many fronts, to qualify for a home loan. We were incredibly fortunate to be assigned Mike Parsons as right from the get-go, despite the complexities, he hit the ground running for us. He was incredibly knowledgeable, with years of experience but what was immediately apparent and impressive was that he was totally invested in getting us over the line, doing absolutely everything possible, including working around the clock. Despite it being a relatively small loan in the order of things, Mike never missed a beat, getting docs ready, following up and answering every request from the proposed funder immediately. He kept us informed on progress the minute anything happened, and again if anything needed to be done, he was right on it. In short, we highly recommend Uno, and Mike, knowing what a remarkable job he did, over many weeks, to get us our loan. He got us a great deal, with far better rates than we expected, so we couldn't be happier. In fact, without doubt, you'd be hard pressed to find a more personable, sharp, hard working, dedicated professional who clearly prides himself on getting his customers standout results.

Rod

February 13, 2024

Scott and his team were just A-mazing. We felt supported through the whole process with the greatest quality and care. Every question answered right in time, or even before we asked. The process was smooth and we got the best outcomes we could have wished for.

Angela Biddle

February 6, 2024

Our mortgage recently came up for renewal, and with interest rates skyrocketing we were looking for ways to minimise the impact. Michael and his team were proactive and attentive. Michael spent time with us to understand our circumstances. He found mortgage options that worked with our current financial situation and longer investment plans. He presented clear options, providing guidance where needed. He and his team were helpful and responsive - streamlining the process and keeping us updated through the negotiations. In the end, Uno did the heavy lifting and secured a significantly better rate than our current bank offered, all with friendly, personal service. We would highly recommend UNO Home Loans.

Fotis Bikas

January 15, 2024

I cannot help but congratulate Scott Wilkinson of UNO Home Loans for being an absolute credit to both his company and the entire loans industry. Scott is a truly rare gem of a broker in that he will not only go the extra mile to achieve for each customer the very best deal, but his knowledge of all and sundry within the industry is unsurpassed (you will see what I mean if you speak to him). Additionally, Scott has a clear passion for imparting his wealth of information with each customer, whereas the conversation with most other brokers would simply be over if they could not get you the best deal. For me, Scott Wilkinson of UNO Home Loans stands head and shoulders above the competition and I feel privileged to benefit both from his expertise and professionalism whenever it is time for a refinance or new loan.