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When someone passes away without a valid will, this is known as intestacy. In this situation, the law in each state and territory sets out a formular for how your estate is divided. These rules often follow a standard order – spouse first, then children, then other relatives, but they may not align with what you would have wanted.

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As the end of financial year approaches, it's the perfect time to reassess whether your home loan still fits your needs. Our EOFY Home Loan Health Checklist walks you through 7 key areas—from evaluating your loan features and lender service to leveraging equity and spotting hidden fees. Whether your circumstances have changed or you simply want to see if a better deal is out there, this guide will help you make informed decisions. A quick check-in now could lead to long-term savings and smarter financial outcomes in the new financial year.

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