In particular, if you're an Owner Occupier making principle & interest ("P&I") repayments on your mortgage, it's your lucky time. You are currently many lenders "ideal client", so they're offering very competitive products to get your business.
If you're paying more than 4% on your mortgage, send me your basic details (lender, balance outstanding, interest rate) and I'll do a quick Home Loan Healthcheck. You'll either have the comfort of knowing you're on the best deal for you, else I'll be able to find a better product you can switch to.
Even a 0.5% saving on a $400,000 mortgage would deliver savings of $2,000 pa. That's going to help with a few extra presents this Christmas.
And remember, my services are free to you; the lender pays my fee. I will find the best mortgage for your circumstances from a panel of more than 20 lenders.