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Annual rate review

Your loan, reviewed every year.

The single biggest cost most borrowers pay is the loyalty tax — the quiet rate creep that kicks in six months after settlement. Our annual review is how we make sure it never happens to you.

Automatic. Free. Independent.

Twelve months after your loan settles, and every year after that, a Hypercube broker reviews it. We pull your current rate, compare it against what you'd be offered today as a new customer of the same lender, compare it against the broader market, and decide on the right play — negotiate with your existing lender, or move.

This is included in every Hypercube engagement. You don't need to ask for it, you don't get charged for it, and we don't recommend a refinance unless the maths say it's actually worth doing. The goal is that you never become the quiet customer paying 0.4% more than they should.

  • Rate comparison against current new-customer pricing from your existing lender
  • Market comparison against the competitive set across our panel
  • Negotiation-or-refinance decision based on net benefit, not cashback bait
  • A short written summary of the outcome — what changed, and why

Rate review FAQs

What if my loan isn't with Hypercube yet?
We can still review it. The first review after engagement sets the baseline, and from there the annual cadence kicks in.
How long does the review take?
The review itself is fast — usually a week from when we pull the current rate to when we come back with a recommendation. If a refinance is warranted, the refi process runs on top of that.
Do you always recommend moving?
No. The most common outcome is that we negotiate your existing lender down by a retention offer. Moving is recommended only when the net benefit (after costs) clearly justifies it.

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General advice disclaimer. The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate for you before acting on it, and seek professional advice where relevant.

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