Fight Back Against "Loyalty Tax" On Your Mortgage

Digitally Reprice Your Home Loan in 3 Minutes, without Speaking to Your Bank, 24/7, Even Now!

New Technology Saving Borrowers Interest

Reprice Now

$2,814

Avg Saving

95%

Happiness Rate

72%

Get offered a better deal from the lender

82%

Of borrowers got a better deal than they expected

Why do lenders Hide your real interest rate ?

PROFITS FOR STAKEHOLDERS

The big banks make billions in profits and mortgages account for a large portion of income.

NO TRANSPARENCY

Your bank is not going to call you up and let you know they can do better.

LONG PROCESS

Can you be bothered to call your bank and wait online for 1-2 hours to speak to them, then beg for a discount, regularly?

WE BELIEVE, THAT IT'S A DELIBERATE TACTIC THE LENDER USE

Because if you can easily see the interest rate you are paying, you might compare it with others and possibly realize you’re overpaying.

To get a better rate, you have to call your lender, wait on hold for ages, and beg for a better deal. That’s

Old
Slow
Frustrating

From loyal customer to First-Home Buyers and Investors

We deliver what banks won’t—unless you ask.

Top 5 Types of Borrowers that Benefit the Most

Long term borrowers with the same lender

Borrowers who were first home buyers, with smaller deposits

Borrowers that have rolled over into a principle and interest loan (from an
interest-only loan)

Borrowers who now have created more equity in home (many lenders price is
based on Loan to Value Ratio), Reno's or time

Borrowers who may have had past payment issues (missed payments or
applied for "hardship")

Your Bank Won’t Call to Cut Their Profits — But We Will

IT'S UP TP YOU TO MAKE THE FIRST MOVE !

Consumers

See what our borrowers have made.

Phil & Carol D

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$294,540

6.65% pa

6.1% pa

0.55%

$1,621approx

Raj & Nina S

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$611,482

6.94% pa

6.07% pa

0.87%

$5,014 approx

Michael M & Stuart D

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$506,740

6.95% pa

6.34% pa

0.61%

$3,079 approx

Joseph F

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$435,700

7.24% pa

6.5% pa

0.74%

$3,225 approx

Investors

See what our investors have made.

Kevin & Liz M

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$748,368

7.14% pa

6.4% pa

0.74%

$5,528 approx

Heidi D

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$965,300

6.57% pa

6.38% pa

0.19%

$1,827 approx

Marcus & Maria C

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$640,308

7.2% pa

6.7% pa

0.8%

$5,119approx

Howard G

Loan Amount

Before Rate

After Rate

Interest Saved

Cash Saved (Annual)

$292,637

7.3% pa

6.55% pa

0.75%

$2,180 approx

*The above figures are indicative only and may not take into account funds in redraw/offset. Further, the above reprices took place before the most recent RBA rate reduction.

See How The New Way Works

Our new disruptive banking software uses Australia’s Consumer Data Right (CDR), also known as Open Banking, to access your loan amount and interest rate.

Business Process Flow with Arrows

Evaluate your current business situation and identify growth opportunities

Create a customized plan to achieve your business objectives

Execute the strategy with expert guidance and support

Track progress and make necessary adjustments

Are you in Mortgage Prison?

There has been much coverage in the media that 20% of Australians with a mortgage, or 1 in 5 borrowers, do not qualify for a refinance as they cannot now borrow what they have already borrowed.
This is because over the past 3 years interest rates have increased substantially, faster than wages. Some borrowers are effectively trapped with their existing lender, as they do not qualify to refinance.
If you have tried refinancing to another lender, either directly with a bank or through a broker, and got knocked back, don’t worry; we can still assist with applying for repricing. We’ve had good success!

Getting Started is Easy

Business Process Flow with Arrows

Evaluate your current business situation and identify growth opportunities

Create a customized plan to achieve your business objectives

Execute the strategy with expert guidance and support

Track progress and make necessary adjustments

Achieve sustainable growth and business success

Pricing Plan

STANDARD REPRICING

$25 / Month

1 reprice annually directed by the borrower.
12 months of surveillance by Rate Squeezer looking for any lender behind-the-scenes changes.
Rate Squeezer may perform multiple reprices throughout the 12 months term if we notice any irregularities.
No obligation to refinance; it’s in your hands.

PREMIUM REPRICING

$240 / Year

1 reprice annually directed by borrower.

12 months of surveillance by Rate Squeezer looking for any lender behind-the-scenes changes.

Whilst this is a month to month subscription, it is for a 12 months term. Rate Squeezer may perform multiple reprices if we notice any irregularities.

No obligation to refinance; it’s in your hands.

COMMONWEALTH AND MCQUIRY BANK

$110 / Year

Unfortunately, Rate Squeezer is unable to reprice your loans with the banks mentioned above.

However, we can still monitor and track your mortgage and provide you with the balances and interest rates.

Additionally, based on the information available to us, we can inform you of any better-priced alternatives, if they exist.

Our legal team

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Business Lawyer

John Smith

Family Law Lawyer

Emily Johnson

Intellectual Property Lawyer

Michael Lee

Estate Planning Attorney

Sophia Davis

View All

Savings vs. Cost

Compare Our Costs Against Your Potential Savings

Rate Squeezer Savings Table

01 Your Loan Amount	02 Your New Rate Squeezer Discount (%)	03 Our Cost (% of Loan)	04 Savings Achieved	05 Our Cost ($PA)	06 Savings vs Our Cost
$350,000	0.69	0.06857%	$2,415pa	$240	10X
$500,000	0.63	0.048%	$3,150pa	$240	13.1X
$650,000	0.81	0.0369%	$5,265pa	$240	21.9X
$800,000	0.79	0.03%	$6,320pa	$240	26.3X
$1,000,000	0.52	0.024%	$5,200pa	$240	21.6X

The above table illustrates the cost to you ($240pa) to subscribe to Rate Squeezer and the big discounts we are often able to achieve. The cost to you is very low, and the upside to you is very good.

Even if your bank doesn't come to the party with an offer, we will always advise you what your options are if you were to refinance elsewhere and save.

What's the catch ?

We've Noticed a Gap, and We're bridging it

We are now onboarding new clients quickly, frictionlessly, and cost-effectively and offering better deals with the existing lender or, if they don’t come to the party, elsewhere. That’s what we do. Demand exceeds supply, so please note that generally there is a waitlist for those wanting to refinance.

Why We Are Different?

No fluff, just results

We do the rate hunting and bank wrangling for you.

Speed matters

We’re onboarding clients faster than ever.

You stay in control

Reprice or refinance, we guide you either way.

We’ve had overwhelming interest and demand, but we’re actively onboarding new clients every day.

We do, however, have a waitlist in certain parts of the business simply due to the volume of work.

Where we stand.

Rate squeezer vs. Banks vs. Brokers

Mortgage Comparison Table

Features

Rate Squeezer

Banks

Mortgage Brokers

Ongoing rate monitored and optimized for 12 months

Higher margins increase their profits

Manual rate checks are time-consuming

Mortgage continuously reviewed with rate tracking

Banks avoid low rates—they reduce profits

Brokers invest time sourcing new borrowers and managing loan applications

AI-powered mortgage audits conducted continuously

Continuous savings and smarter mortgage management

Why Choose Rate Squeezer?

Focus on saving you money, not chasing new clients.

Secure the best rates from your current lender.

Continuously monitor your mortgage for better deals.

Use AI to audit your mortgage year-round.

Prioritize your savings over the profits.

Affordable, convenient, and efficient

Let’s Find Out.

Our service works best for these types of borrowers.

Are We the Right Fit for You?

We Go Into Bat for You

We negotiate directly with your lender to push for a better deal on your existing home loan. If they come to the table with a better offer — we’ll accept it for you.

Your Savings, Your Choice

If your lender doesn’t deliver, we’ll present you with alternative offers that could save you money. Whether you choose to refinance is completely up to you — no pressure.

Your Mortgage, Monitored 24/7

For the next 12 months, our AI-powered technology will track and monitor your mortgage. If something seems off, we’ll let you know before it costs you.

We’re Your Watchdog

Our mission is to make sure you’re not overpaying. If our system detects anything suspicious or a better opportunity, you’ll be the first to know.

We negotiate with your lender for the best deal, accept better offers on your behalf, and offer alternatives if refinancing makes sense. For the next 12 months, our tech and AI tools will track your mortgage and alert you to any changes—so you never get caught paying more than you should.

What You Get From Rate Squeezer

A price reduction

We do the rate hunting and bank wrangling for you.

No price reduction

from your lender, so you know they have given you the max discount they are willing to offer.

A basic pricing offer

so you can compare any offer from your lender, to a better deal with a different lender.

Ongoing AI surveillance

from Rate Squeezer for 12 months to ensure your lender doesn't change in the background.

Find answers to common questions about our home loan repricing service

Frequently Asked Questions

I got my own loan through a bank or a broker, can you still assist?

Yes, we are simply repricing, tracking and rating your existing loan

Can I get repriced from any bank?

No, not all banks are included. If you are with one of the following lenders, we are unable to assist;

Auswide Bank, BCU Bank, Citibank AU, Heritage Bank, Hume Bank, HSBC, MA Money, MyState Bank, P&N Bank, People's Choice Credit Union, Qudos Mutual Bank, Teacher's Mutual Bank

Will my bank reduce my interest rate?

Each bank will make their own determination as to whether to discount your home loan or not. Obviously, your bank will want to retain your business and because we have approached them for a discount on your behalf, they will understand you are considering your options, so it makes sense for them to be as competitive as possible

Do I have to refinance over to you?

No. You are paying us to approach your lender to reprice your loan. If your lender declines to offer you a reduction or the offer they give you still remains uncompetitive, you may ask us to assist you in refinancing.

Will you be providing Credit Assistance?

No. You have to agree that you are happy with your lender and product, we are merely asking your lender to reprice your loan. If you instruct us to refinance your loan, then we will provide you with Credit Assistance

Will you reprice both my consumer home loan and my investment loans?

A Yes we will reprice all home loans you have, if provided all at once. If at a later date you ask us to reprice other loans you have, we will charge you another fee to do this

Do I have to have a minimum or maximum loan size to qualify for a reprice?

A We find that borrowers with larger loan sizes, save more. We suggest that the minimum loan you should have is $250,000 but can assist if you have a loan smaller than this. It’s up to you

Can you reprice loans in the name of a company?

A Unfortunately we cannot reprice loans in the name of a company including loans to SMSFs

What do you actually do?

A We reprice mortgages in personal names. You must provide us digital [Read Only] access to your Mortgage “Open Banking” also know as Australian “Consumer Data Right” (CDR).

Our AI will evaluate your mortgage interest rates and rate your mortgage out of 10. If you score under 8, you, with one click of a button, can send a pricing request to the lender.

Banks vary in timeframe in how long they take, but we give them 5 business days to make you an offer.

When they make you an offer, you can take it, or make a decision to leave, which you can do yourself or ask us to help you with refinancing

Is it safe to use your services?

A To ensure the highest level of security to you, we access your Open Banking details with 256bit bank grade algorithm encryption through our API partners

What is the term you use for reprice, track, and monitor?

A Our minimum term is 12 months. As usual mortgages last up to 30 years, we will automatically renew the term at the end of the 12 months.

Please note, although we may reprice your loan at the outset, it is not uncommon for borrowers to lose offers and begin paying higher margins at any period throughout the term. Rate Squeezer uses AI continually to detect this and will bring it to our attention. We will then look to reprice your loan at that time as well automatically. We are covering your back!

How much of a price reduction are you getting for borrowers?

A We sometimes get no offer from a lender. However, we have received offers of up to 2.4% off, which is the largest deduction we have received to date.

If I subscribe for your services and then refinance myself, do I need to tell you?

A Yes. We need to monitor and track the loan you have that is active, not an account paid out.

Disclaimer: We are not providing you with “Credit Assistance”. We are merely offering you a service to get your existing home loan repriced.

Contact Us

Have questions about our service or need assistance with your home loan repricing? Our team is here to help.

Send us a message