90 days out
Find your fixed expiry date and the rate your lender will revert you to. Update your income and expense details and gather recent payslips or financials in case you refinance.
60 days out
Ask your lender for their best retention offer and compare it across the panel. Decide whether to refix, split fixed and variable, or go fully variable based on your plans for the property.
30 days out
If moving lenders, lodge the application now so settlement lands as close to the expiry date as possible. Settling before expiry can trigger break costs; settling well after means paying the revert rate.
On the day
Confirm your new rate and repayment, set up offset accounts, and diarise the next review.
General information only. It does not consider your objectives, financial situation or needs. Speak with a licensed adviser and your accountant before acting. See our Disclaimer.
