When was the last time you reviewed your home loan rate?
If it’s been more than 24 months, there’s a good chance you’re paying more than you need to... and the banks aren’t about to let you in on that little secret.
Why Existing Borrowers Often Get a Raw Deal
It might surprise you to know that lenders often reserve their best interest rates for new customers.
Meanwhile, loyal clients, the ones who’ve been making regular repayments for years, quietly get shifted onto higher rates over time. It’s a tactic known as the loyalty tax, and it can cost you thousands every year if left unchecked.
What a Quick Rate Review Can Do
At The Loan Room, we regularly help clients reduce their repayments and save big - without changing lenders in many cases.
Here’s what a simple interest rate check can unlock:
✅ Save thousands per year in interest
✅ Lower your monthly repayments
✅ Reduce your loan term and get debt-free sooner
✅ Access better features or increased flexibility
It’s a small step that can make a big difference.
Real Results, Real Fast
Just recently, we helped a client reduce their rate and knock $320 per month off their repayments — that’s nearly $4,000 a year back in their pocket.
And the process? Simple. No long forms. No need to visit a bank branch. Just a quick review and a few strategic moves.
Don’t Let Inertia Cost You
Life gets busy, we get it. But letting your home loan cruise along for years without review is like leaving money on the table.
Banks rely on people not paying attention. The smart ones? They check in, ask questions, and make sure their loan is still working for them.
Ready to See If You Could Be Paying Less?
We’ll take a look at your current setup, compare it with what’s available, and let you know if there’s a better deal out there. If there is, we’ll guide you through every step of switching or negotiating - at no cost to you.
📉 Book your free interest rate review today.
A five-minute chat could save you thousands.