Your loan, reviewed every year.
For most borrowers the biggest single cost is the loyalty tax: the slow rate creep that starts six months after settlement. Our annual review is there to stop it happening to you.
Free, automatic and independent
Twelve months after your loan settles, and every year after that, a Hypercube broker reviews it. We check your current rate against what the same lender would offer you today as a new customer, and against the wider market. Then we decide whether to negotiate with your existing lender or move.
It's included in every Hypercube engagement. You don't need to ask for it and you aren't charged for it. We only recommend a refinance when the maths says it's worth doing. The aim is that you never become the 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
- A decision to negotiate or refinance, based on net benefit rather than cashback offers
- A short written summary of what changed and why
Rate review FAQs
What if my loan isn't with Hypercube yet?
How long does the review take?
Do you always recommend moving?
Related pages
Ready to structure this properly?
Book a 30-minute discovery call. There's no cost or obligation, and you'll leave with a clear next step.