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?
How long does the review take?
Do you always recommend moving?
Related pages
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Book a 30-minute discovery call. No cost, no obligation, and a clear next step at the end of it.