Ongoing Loan Review & Loyalty Tax
The "Set And Forget" Trap Ends Here.
Your home loan shouldn’t be a static debt. We proactively review your interest rate every year to ensure you never pay the “Loyalty Tax”—saving you thousands over the life of your loan.
Why Is Your Rate Higher Than A New Customer’s?
Banks bank on your apathy. Over time, they often creep up the interest rates for existing customers while offering rock-bottom deals to attract new ones. This gap is called the “Loyalty Tax.” We don’t let that happen. We act as your financial watchdog, ensuring your lender keeps earning your business.
Annual Health Checks
We don't disappear after settlement. We schedule regular reviews to benchmark your interest rate against the current market leaders.
We Do The Haggling
If we find a better rate, we contact your bank directly and demand they match it. If they won't, we present you with options to switch and save.
Compound Savings
A 0.5% reduction might not seem like much today, but on a $600k mortgage, it saves you over $50,000 in interest over the life of the loan.
Your Mortgage Manager For Life
Life changes—and so does the lending market. A loan that was perfect for you three years ago might be costing you unnecessary fees today. Whether your property value has gone up (lowering your LVR) or your income has changed, we constantly look for opportunities to re-price your loan and reduce your repayments.
Proactive Loan Management For Melbourne Homeowners
We take the hassle out of home ownership. We monitor the market so you don’t have to, ensuring you are always on a competitive deal.
Get a Free Consultation!
Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Annual Review Cycle
We treat your mortgage like an investment portfolio that needs active management. Our systematic review process ensures you never pay a dollar more in interest than you need to.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
An ongoing loan review is a regular check of your interest rate against current market offers to ensure your lender isn’t quietly increasing costs over time.
Loyalty tax is the extra interest long-term customers often pay while banks reserve their best rates for new borrowers, costing loyal clients thousands over time.
Your loan is reviewed periodically as market conditions change or when better offers become available, ensuring you remain on a competitive rate year after year.
Not always. We first negotiate with your existing lender. If they won’t improve your rate, we recommend switching only when it delivers real savings.
No. Regular loan reviews and lender negotiations do not impact your credit score unless a new application is submitted.
Savings vary, but many clients reduce their interest rate and repayments significantly over time, often saving thousands across the life of their loan.