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👉 Your mortgage.
With interest rates now sitting in a far more borrower-friendly range than the highs of 2023 - 2024, this year presents a real opportunity to make sure your home loan is still working for you - not just ticking along in the background.
If 2026 is the year you want to reduce debt faster or start building wealth, here are 5 things most homeowners should be reviewing now:
1. Is your loan structure still fit for purpose?
What suited you a few years ago may no longer align
with your current goals. The right mix of a fixed, floating, or offset mortgage can have a big impact on flexibility and long-term interest
costs.
2. Are you coming off a fixed rate soon?
Many borrowers are rolling off higher fixed rates this year.
With sharper options available, it pays to review rather than automatically rolling over to whatever your bank offers.
3. Could a cash-back help you get ahead?
Banks are actively competing for quality borrowers. With
sufficient equity, refinancing may unlock a cash incentive that can be used to reduce your mortgage or clear higher-interest debt.
4. Are you paying more than the minimum?
If you managed repayments when rates were higher,
maintaining that level now can shave years off your loan and save a significant amount in interest.
5. Your current home could already be your next deposit.
If your property value has increased over
the past few years, you may have more usable equity than you think. For many homeowners, this can be enough to fund the deposit on an
investment property - without needing to dip into savings. If growing a property portfolio is on your radar in 2026, your existing home is
often the starting point.
The Bottom Line
Don’t let your mortgage run on autopilot. A simple review could be one of the highest-value financial decisions you make this year.
If you’d like a no-obligation comparison of your current situation versus what’s available in the market, feel free to reach out. I’m helping clients make sure they’re not paying a cent more than they need to in 2026.