Simple checks for the questions that actually matter.
No jargon. Pick the question closest to what is happening now and get a useful result in a couple of minutes or less.
What would a broker notice first?
Answer five quick questions and see what stands out, what may be creating the pressure, and what Paul would want to understand next.
Start the quick checkBefore You Apply Again
Thinking about another loan, card or refinance? See whether it looks more like a genuine solution or temporary breathing room.
Check the pattern firstYour Mortgage Rate Gap
Compare your current variable home-loan rate with a current advertised reference rate using the same remaining loan term.
See the illustrated differenceHave We Messed Up?
Worried a decline, hardship, missed repayments or your credit history has ruled you out? Separate what happened before from what is happening now.
See what actually mattersTell Paul What’s Going On
Give Paul the important bits. Rough figures are fine, and you do not need documents ready.
Tell Paul what’s going onUnderstand what is worth looking at before deciding what to do next.
Each check focuses on a different question. The result will show what stands out, what it cannot tell you, and how to ask Paul to look at it properly if you want to continue.
G Read Google reviews“From the first phone call, Paul went of his way to help us. Such a smooth process, his knowledge and care made the experience so much easier. Thank you so much for all your efforts we truly appreciate it.”
TG“I worked with Paul Wrensted at Mortgage Choice to refinance both my home loan and my investment loan, and I'm really glad I did. He took the time to explain my options properly, found me a much better rate than what I was on, and handled the paperwork so I didn't have to chase anything. The whole process was smooth and the savings are real.”
TN“Our refinance definitely wasnt a straightforward one There were multiple things involved, plenty of complications, and so much detail that needed to be handled properly. Paul at Mortgage Choice made the whole process feel so much easier than it could have been. He was incredibly patient with all of our questions, always took the time to explain things to us, and never once made us feel like we were being difficult. He put in so much time and effort to get everything sorted, and the end result has saved us thousands of dollars every month, which is honestly incredible. Were so grateful for all of Pauls help and expertise and would absolutely recommend him to anyone looking at refinancing or getting a better deal on their mortgage”
MPCommon questions
Will using these tools affect my credit file?
No. These tools do not run a credit enquiry or submit a loan application.
What if I want Paul to look at the full picture?
Each new check gives you the option to ask Paul to call you or book a time after you have seen your result. You do not need to complete another long form first.
Are the results financial advice?
No. The calculators provide general, educational information based on the figures you enter. They are not personal financial or credit advice.