Spring Clean Your Finances – Smart Moves Before the Year Ends

As the weather warms up and the year winds down, it’s the perfect time to give your finances a spring clean. Whether you’re a homeowner, investor, or just looking to get ahead, a few smart moves now can set you up for a stronger financial start in 2026.

1. Review Your Home Loan

Interest rates have shifted significantly over the past couple of years. If you haven’t reviewed your mortgage recently, now’s the time. You could be paying more than you need to.

• Is your interest rate still competitive?
• Could refinancing save you money or offer better features?
• Would fixing your rate give you peace of mind?

A broker can help you compare options and find a loan that suits your current needs.

2. Consolidate Your Debts

If you’re juggling credit cards, personal loans, or other debts, consider consolidating them into your home loan. This can reduce your interest costs and simplify your repayments.

3. Check Your Credit Score

Your credit score affects your borrowing power. Use this time to check your score and correct any errors. Pay down outstanding debts and avoid late payments to keep your score healthy.

4. Organise Your Financial Records

Gather your statements, receipts, and loan documents. Having everything in order makes it easier to apply for finance, lodge your tax return, or plan for the future.

5. Set Financial Goals for 2026

Whether it’s buying a new home, investing, or saving for a renovation, setting clear goals helps you stay focused. A broker can help you map out a strategy to reach them.