About My Home Loan Checkup

Why We Exist:

Most Australians will never speak to their bank about their home loan again after the day they signed their contract. Life gets busy, and checking in on your mortgage often falls to the bottom of the to-do list — right alongside things like reviewing your insurance policies or updating your will. Yet a home loan is one of the largest financial commitments most people will ever make, and small differences in interest rates, loan structure, or repayment terms can add up to tens of thousands of dollars over the life of a loan.

My Home Loan Checkup was created to close this gap. Just as you might get an annual health checkup to catch small issues before they become big problems, we believe your home loan deserves the same kind of regular attention. Our website gives everyday Australians free, easy-to-use tools to get a clearer picture of how their current loan is really performing — without having to spend hours researching, comparing lenders, or reading through confusing paperwork.

What We Offer:
Through our simple online checkup process, we help you understand:- Whether your current interest rate is still competitive compared to what's available in the market today- Whether you may be experiencing repayment pressure that could be eased through refinancing or restructuring- Whether growth in your home's equity may open up better refinancing options or additional opportunities- General information relevant to other areas of your financial life, including investment loans, personal loans, asset finance, and self-managed super fund (SMSF) lending considerations

Our checkup takes just a few minutes to complete and is designed to be approachable and jargon-free, because we believe everyone deserves to understand their own finances — not just people with a background in banking or finance.

Who We Are:
My Home Loan Checkup is owned and operated by C & M Steele Investments Pty Ltd (ABN 18 647 583 113, ACN 647 583 113), an Australian company committed to helping consumers make more informed decisions about their home loans. We are closely connected with Palmary Loans, a licensed mortgage broking business also operated by C & M Steele Investments Pty Ltd under its appointment as a Credit Representative (CRN 000565302) of Mortgage Specialists Pty Ltd (Australian Credit Licence Number 387025).

While My Home Loan Checkup itself is an information and lead-generation service rather than a licensed credit provider, our close relationship with Palmary Loans means that if you choose to submit an enquiry through our website, you'll be connected directly with a licensed and experienced mortgage broking team who can help take your situation further — whether that means exploring refinancing options, understanding new lending products, or simply getting a second opinion on your current loan.

Our Commitment to You:
We understand that your finances are personal, and that trust matters. That's why we're upfront about who we are, how our checkup process works, and what happens after you submit an enquiry. We do not charge consumers for using our checkup tools, and there is no obligation to proceed with any service after you receive your results. Any information you provide to us is handled in accordance with Australian privacy law, as outlined in our Privacy Policy.

Whether you've owned your home for one year or twenty, we believe it's always worth taking a few minutes to check in on your loan's health. If our checkup reveals an opportunity to save money, restructure your finances, or simply gain peace of mind that you're on the right track, we'd love to help point you in the right direction — through our connection with the licensed team at Palmary Loans.

If you have any questions about who we are or how we operate, please don't hesitate to reach out via our Contact page.