Mortgage Health Score
Your Mortgage Health Score is an indicative tool for reviewing your home loan rate, features, review history and equity position. The score is instant and free, with no sign up to see it. A score does not establish whether another loan is available to you or whether switching would reduce your costs.
- Your rate is around 0.21% 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.
How do I know if I'm paying too much on my home loan?
In the Ratesniffers verified snapshot dated 9 November 2026, rates describe specific loan scenarios. To check whether you are paying too much, compare your interest and comparison rates with a quote matching your loan purpose, repayment type, LVR and features. Include ongoing fees and switching costs. A snapshot rate alone cannot establish overpayment.
The dated picks sit on the cheapest home loan rates page, and the refinance savings calculator models switching costs against a lower rate.