Book a Hero
Your loyalty is costing you a holiday a year.
Rate Renegade takes your current rate to 40+ lenders, collects the counter-offers in writing, and moves you only if the numbers actually justify it. Most reviews take one call and one form.
$412
Median monthly saving
0.61%
Average rate reduction
1 in 3
Stay and still save
Who Rate Renegade is for
If you have not looked at your rate in two years, this is you.
Book Rate Renegade if
You have had the same loan for more than two years
Your fixed term is ending in the next six months
You suspect new customers get a better rate than you do
You want to consolidate a car loan or card into the mortgage
You would switch, but only if the total cost genuinely drops
Ask for someone else if
You are buying your first place — that is Hearth Hero
The point is to pull cash out, not cut the rate — that is Equity Guardian
The loan is against a commercial property — that is Capital Titan
And if the honest answer is that your current rate is already sharp, we will tell you that and charge you nothing.
Heroes On Standby For your every needs!
Book a hero today for heavy lifting. Our specialists find the right deal and secure your dream house faster and with less stress.
Contact NowRate Audit
Send your latest statement. We work out your real cost — rate, fees, offset, redraw — and what the same lender is offering new customers today.
Two offers
We ask your lender to match the market and take the file to the panel. You see both numbers, with break costs and switch fees included.
Switch or stay
If moving wins, we handle the discharge end to end. If staying wins, you keep the new rate and we still get paid nothing extra.
They expected weeks. It took one form.
Every one of these was paying more than a new customer at the same bank.
I thought refinancing meant weeks of paperwork. It was one call and a form — we save $640 a month.
PN Priya N.Refinance · MelbourneTom got my own bank to beat the offer he found elsewhere. I did not have to move a thing.
BA Ben A.Refinance · SydneyMy fixed term was ending and nobody at the bank called me. Rate Renegade did, three months early.
MW Marcus & Lee W.Fixed rate rollover · Adelaide
The maths people worry about
Mostly: is it worth the hassle? Sometimes it is not, and we say so.
A discharge fee from the old lender, sometimes a settlement fee at the new one, and government registration — commonly $600 to $1,200 all up, plus break costs if you are inside a fixed term. We put the real total against the saving before you decide.
Different situation? Different hero.
Same free call, same panel of 40+ lenders.
