Let’s be honest — mortgages aren’t exactly at the top of most people’s “fun things to deal with” list. If you’re a busy mum juggling kids, work, life admin (and trying to finish that cup of coffee before it goes cold), the idea of reviewing your home loan probably feels... exhausting.

But here’s the thing—if it’s been more than a year or two since you looked at your mortgage, there’s a good chance you’re paying more than you need to.

I’m Bonnie, founder of White Picket Mortgages and mum of two. I started this boutique mortgage broking service because I saw too many families stuck in the wrong loan, simply because no one had taken the time to explain things clearly—or even followed up after the loan settled.

So, What Is a Home Loan Health Check?

Great question. Think of it as a quick check-up for your mortgage—no pressure, no cost, and no commitment.

We look at things like:

Whether your interest rate is still competitive
If you could access current cashback offers
Whether your loan structure still suits your lifestyle (especially if life has changed)
Opportunities to tweak things—like repayment dates or switching between fixed and variable

It’s about making sure your loan is working for you—not the other way around.

Why Busy Mums Love Working With Us

Here’s the thing: I get it. You don’t have time to sit on hold with a bank or decode financial jargon just to figure out if you’re in a good loan. That’s why we do things differently.

Over 15 years of client service experience
5+ years specialising in home loans
Access to over 40 lenders—so you get real choice
Ongoing support after your loan settles (yes, we check in)
We make admin tweaks easy—like changing repayment dates or fixing part of your loan
Our service is 100% free—the banks pay us, not you

And most importantly, you’ll only ever deal with me. No offshore call centres. No being passed around. Just straight-up, helpful advice tailored to your family’s needs.

Not Sure if It’s Worth It?

If you’ve been wondering:

Could we be getting a better deal?
Is now a good time to refinance?
Should we fix part of our loan?
What do we do with equity now that our house has gone up in value?

...that’s exactly what a home loan health check is for. We’ll talk through your options and if everything looks good as-is, I’ll tell you that too. Zero pressure.

Ready to take the stress out of your mortgage?
Click here to book a free home loan health check

Let’s make your home loan one less thing to worry about.
xx Bonnie
White Picket Mortgages