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When did you last
review your rate?
If it's been more than two years, there's a very good chance your bank has quietly moved you onto a rate that's 0.5–1.5% higher than what's available today. That's real money, every month.
A free rate review from Fairbanks takes one conversation. We compare your current rate against 90+ lenders and tell you exactly where you stand — no credit check, no obligation.
What your bank charges vs.
what you could be paying
The “loyalty tax” is real. Australian banks systematically offer lower rates to new customers than to existing ones. After 2–3 years without reviewing, the gap is almost always significant.
After 2 years without reviewing
+0.42%
$2,520/yr extra on $600k
After 3 years without reviewing
+0.68%
$4,080/yr extra on $600k
After 5 years without reviewing
+1.12%
$6,720/yr extra on $600k
After 7+ years without reviewing
+1.6%+
$9,600+/yr extra on $600k
Big 4 Bank (existing customer)
Loyalty TaxBanks quietly move loyal customers to higher SVRs. The longer you stay without reviewing, the worse it gets.
Big 4 Bank (new customer)
New customer dealBanks offer better deals to attract new customers than they do to retain existing ones. You're funding that discount.
Non-bank lender
CompetitiveNon-bank lenders don't carry branch overheads. That saving is passed to borrowers through sharper rates.
Best available via broker
Market-leadingAccess exclusive broker-only rates that are never listed publicly. This is what we find for our clients.
Rates shown are indicative of market conditions as at Q1 2025. Actual rates depend on your LVR, loan size, credit profile and lender policy.
What staying on your old rate is costing you
Adjust the sliders to model your own situation. The numbers are real — and they add up fast.
Remaining loan balance
Your current rate (estimated)
6.74%Best available rate today
5.99%Years remaining on loan
22 yrsRate gap: 0.75%
That 0.75% gap is silently draining your wealth.
Your potential savings
Monthly saving
$270
per month
Annual saving
$3,241
per year
Total lifetime saving
$71,299
over 22 remaining years
Calculations are indicative only. Actual savings depend on your loan balance, lender fees, comparison rate and break costs if applicable.
See My Real Numbers — FreeHow a free rate review works
Simple, fast, and completely on your terms. You're never obligated to switch.
Tell us your situation
Takes about 3 minutes. We need your approximate loan balance, current rate (if you know it), lender and property state. That's it — no documents, no credit check.
Current rate · Loan balance · Lender · State
We do the market scan
Your Fairbanks broker runs your profile against our 90+ lender panel to find the sharpest rate you'll qualify for, including exclusive broker-only pricing.
90+ lenders · Broker-only rates · Same-day
You get a clear comparison
We send you a personalised comparison — your current rate vs the best 3 options. We explain the difference in plain English: actual dollar savings, any fees, and our recommendation.
Side-by-side report · Real dollar savings
Switch in as little as 5 days
If you want to switch, we handle everything — paperwork, discharge from your current lender, new application. Most clients are on their new rate within 5–10 business days.
Broker-managed · Full service · Zero hassle
Our promise: zero pressure, zero obligation
We get paid by lenders when you switch — not by you. If switching doesn't make sense, we'll tell you that clearly.
Homeowners who reviewed
are already saving
These are real Fairbanks clients who stopped overpaying and took 10 minutes to check their rate.
Michael T.
+$5,840/yrParramatta, NSW
Priya & Raj K.
+$6,240/yrBox Hill, VIC
Sarah M.
+$3,900/yrNew Farm, QLD
James B.
+$7,200/yrSubiaco, WA
Results are client examples. Individual savings vary based on loan size, LVR and lender criteria.
Get your free rate review
We'll contact you within 2 business hours — no credit check required.
Common questions about rate reviews
Still unsure? These are the most common things homeowners ask before booking their first review.
4 in 5
homeowners on a 2+ year-old rate are paying above market
10 mins
is all it takes to start your review — no paperwork needed
$4,800
average annual saving for clients who switch through Fairbanks
No. An initial rate review involves no credit check whatsoever. We only run a credit enquiry if you decide to formally apply for refinancing, and we'll always tell you before doing so.
Find your best rate across 90+ lenders