Mortgage Health Score
Your Mortgage Health Score grades your home loan out of 100 in about two minutes. It weighs your rate against today’s market low of 5.93%, how recently you reviewed the loan, the features it carries, and your equity position, then shows what you could keep each year. The score is instant and free, with no sign-up to see it.
We benchmark against a live pool of 85+ lenders, refreshed daily, so the gap you see reflects the market today, not a number from last quarter.
- Your rate is around 0.46% above today's market low, the single biggest lever on this score.
- It has been a while since this loan was reviewed, so it may be carrying an older, higher rate.
- There is no offset account, which can park your savings against the loan and trim interest.
- Your equity position is solid, which usually opens the door to sharper pricing.
See the line-by-line breakdown and the specific moves that lift your score, sent straight through. Your headline score above is yours to keep, no sign-up needed.
How your score is built
Your Mortgage Health Score blends four things: how your interest rate compares to today’s market low, how recently you reviewed the loan, the features it carries such as an offset account, and your equity position. The biggest lever is almost always the gap between your rate and the market low, which is why a stale, unreviewed loan tends to score lower even when everything else looks fine.
The saving figure is a direction-neutral estimate of the interest you could keep at the current market low, before any switch costs or lender fees. It is a guide, not a quote. A full review folds in your specific lender policy, features and any current offers.
Want the exact number for your loan?
Your score is a quick read. A free, no-obligation review runs your actual scenario against current lender policy and live offers.
Important: This tool provides an estimate only and is not credit advice. Your score and any saving figure depend on the details you enter. Actual rates, repayments, fees and approval are subject to lender policy and your individual circumstances. See the footer for the full disclaimer.