For many borrowers, settlement feels like the finish line. The loan is approved, the keys are in hand, and life moves forward. But at Divitis Finance, we know settlement is just the beginning of your financial journey and our role doesn’t end there.

In fact, once your loan settles, a dedicated Post-Settlement Officer steps in to support you with structured, ongoing care. Here’s a look at what we proactively manage for you long after the ink dries.

1. Annual reviews that actually mean something

We don’t just check in for the sake of it. Each year, we carry out a structured review to ensure your loan and property portfolio continue to align with your financial goals. This review is practical, data-driven, and tailored to your circumstances. Here’s what it includes:

1.1 Property valuation and equity check

We assess how your property has performed since purchase or your last review. This helps you understand how much equity you’ve built and whether that could open up opportunities such as refinancing, accessing funds, or investing.

1.2 Loan snapshot and portfolio performance

We provide a clear summary of your current loan details including rate, repayment type, and loan purpose. Then we compare your setup with current market options to see if improvements can be made. If there is a better deal available or a more efficient loan structure, we will let you know.

1.3 Identifying refinancing opportunities

If there’s an opportunity to reduce your repayments or restructure for better flexibility, we will identify it. One of the key indicators we use is the refinance break-even point. If the cost of switching can be recovered within six to eight months, it’s usually worth pursuing.

2. Ongoing support without the chase

Our job isn’t finished after settlement. We continue to work in the background and step in proactively when needed.

• We assist with any loan-related enquiries or lender issues
• We regularly approach your lender to negotiate further rate discounts
• We reassess your loan if your financial situation changes, making sure it continues to support your goals

3. Market monitoring that keeps you ahead

The mortgage and property markets are always changing. We keep track of shifts that could impact your loan or investment strategy.

• We monitor Reserve Bank updates, lender policy changes, and market trends
• We alert you if new developments affect your rate or present an opportunity to act
• You stay informed and prepared without needing to follow every economic headline

4. Relationships that continue to deliver value

Clients choose to stay with us because we’re committed to helping them get the best outcomes, year after year.

• We check in regularly, so you always feel supported and informed
• We help you adapt your loan strategy as your life and goals evolve
• We aim to create long-term value through smarter loan management and better decisions

Final thought

A home loan isn’t something you should set and forget. We stay with you after settlement to make sure your loan remains competitive, flexible, and aligned with your financial goals.

If you’re unsure whether your loan is still right for your situation or want to explore options using your equity, reach out to our team. We’re here to help you plan with clarity and confidence.

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