5-question check

Wanted to refinance, but the bank said no? Don't give up.

If the mortgage, car loan, personal loans, credit cards, Afterpay, Zip and other repayments are all coming out through the month, it can feel like there should be more left than there is.

Answer 5 quick questions to see what may be making things harder than they need to be, and whether there may be a simpler way to set things up.

About a minuteResult straight awayNo credit check

Question 1 of 5

Which best describes things right now?

Question 2 of 5

Outside your home loan, how many separate repayments are you dealing with?

Think credit cards, personal loans, car finance, Afterpay, Zip, Klarna, Humm, Wisr, solar or renovation finance.

Question 3 of 5

Have you used, or are you thinking about using, new credit to make things easier?

Question 4 of 5

How would you describe the money coming into your home?

Question 5 of 5

What do you think is making things tight?

Your result is ready

See what your answers point to.

Add your details below to see your result now. We’ll also email you a short copy so you have it later.

No booking required to see your result.

First name

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If your answers suggest there may be something to discuss, Paul may give you a quick call. No obligation.

Your information is used to provide the result or follow-up you requested and to help Paul understand your situation. You can ask us to delete information you’ve provided. Where we no longer need to keep it, and where we’re not required to retain it, it can be deleted or de-identified.

What happens if I ask for it to be deleted?

If information we’ve saved is deleted or de-identified, future tools may no longer be able to prefill your previous answers. You may need to enter those details again.

Your result

What your answers point to first

What may be happening as well

One thing not to assume

Want to see if there’s a better way to set this up?

Not ready to talk? That’s fine. We’ll email you a copy of the key points so you can come back to it.

Your request

Got it.

Paul has your details and the result from your quick check.

Lots of separate repaymentsEach one can look manageable on its own.

Decent income, not much leftThe issue isn’t always how much you earn.

More credit to get throughNew borrowing can make the month easier now and harder later.

The problem isn’t always the biggest debt.

A mortgage gets most of the attention because it’s usually the biggest number. But a car loan, personal loan, credit cards, Afterpay, Zip and other repayments can take a big bite out of the money coming in each month.

Sometimes changing the way those repayments are set up reduces what goes out each month. Sometimes it makes more sense to leave some debts exactly where they are.

Mortgage

Car loan

Credit cards

Afterpay / Zip

All paid from the same incomeSeveral repayments that look manageable on their own can add up quickly across the month.

Real, deidentified client example

A family Paul worked with had already started talking about selling their home.

The family had strong income and strong equity, but too many separate repayments had become hard to keep on top of.

Before

10repayments

9creditors

$6,500going out each month

Mortgage in arrearsPaid defaultThree personal loans, Zip, Afterpay, ATO and HECS debt

After

1repayment

1creditor

$5,500new monthly repayment

The new mortgage rate was actually higher than the old oneTotal monthly repayments still went down because the separate debts were clearedPlus $75,000 cash out for home improvements

Real, deidentified client example. This family’s result depended on their own income, debts, equity, credit history and the lender options available to them. It doesn’t mean the same result will apply to someone else.

Another real, deidentified client example

Nothing looked obviously wrong.

Another family Paul worked with had clean credit, a home loan, two personal loans at rates up to 16% and a car loan. About $6,500 a month was going out across those loans.

After changing the loans that made sense to change, those repayments reduced to about $4,100 a month. The investment property loan stayed exactly where it was.

Monthly repayments across those loans

Before$6,500

After$4,100

$2,400 less each month

This family’s result depended on their own income, debts, equity, credit history and the lender options available to them. It doesn’t mean the same result will apply to someone else.

What clients say about working with Paul.

These are recent Google reviews from Paul’s clients.

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.”

September 2026

“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.”

September 2026

“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”

August 2026

Not every debt needs to be moved.

Paul Wrensted has spent more than 30 years in finance. The point of the 5 questions isn’t to tell everyone to refinance. It’s to help work out whether the mortgage, the other repayments, or the way they sit together is making the month harder than it needs to be.

If the numbers don’t support changing anything, that matters too.

You don’t need to know what the answer is yet.

Start with five quick questions and see what your current setup may be telling you.