Is your home loan costing you too much?
Enter your current rate. We'll show you where you sit against live offers from 45+ lenders — and what to do about it.
Free. No credit check. 30 seconds.
Trusted by 1,000+ Australian homeowners
Accredited with Australia's leading lenders
Your choice
Stay and negotiate. Or switch and save.
Either way, we do the work. You get the better deal.
We negotiate with your lender
Don't want to switch? We contact your current lender and negotiate a better rate on your behalf. If they won't move, we'll tell you — and show you who will.
- Same lender, same account
- Keep your offset and redraw
- No application, no settlement
- Better rate — or we tell you honestly
We find you a better lender
If your current lender won't budge — or if a better product exists elsewhere — we handle the full switch. Application, valuation, settlement. Done.
- Better rate from a new lender
- Better features, fresh start
- We handle application to settlement
- Full switch within 4–6 weeks
Not sure which path? Start with negotiation. If your lender won't match the market, refinancing is always there as your backup.
How RetainMe works
Three steps. We handle all of them.
Check your rate
Enter your current rate and loan details. We compare it against live offers from 45+ lenders and show you exactly where you stand.
We negotiate for you
If you're overpaying, we contact your lender directly and negotiate a better rate on your behalf. You don't have to make the call.
Better rate — or a better plan
Your lender matches the market and you stay. Or they don't, and we switch you to someone who will. Either way, you win.
Free. No credit check. No commitment either way.
Behind your rate check
We don't just compare rates. We compare everything.
Rate vs market
Your current rate compared to the best variable and fixed rates available today across 45+ lenders.
Feature comparison
Offset accounts, redraw, repayment flexibility — your current loan's features vs what's available elsewhere.
Cost to stay vs cost to switch
Discharge fees, break costs, cashback offers — we calculate whether switching saves you money after all costs.
Lender retention offers
Banks have retention teams with better rates than what's advertised. We know what to ask for and how to get it.
Today's rates
Lowest rates across our panel — updated daily
Lowest variable
Comparison rate 6.14% p.a.*
Lowest fixed (3yr)
Comparison rate 6.16% p.a.*
These are the lowest rates available today across our 45+ lender panel. Your rate depends on your situation.
See my personalised rate*Rates shown are indicative and sourced from our lender panel as at 24 Jun 2026. Comparison rates are based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or loan amounts may result in a different comparison rate. Rates are subject to change without notice. All lending is subject to credit approval.
From homeowners who checked
They checked. They saved. You can too.
I'd been with my bank for seven years and never questioned the rate. RetainMe showed me I was 0.7% above market. Wity negotiated it down in a single phone call. I didn't have to do a thing.
My bank wouldn't move more than 0.1%. Wity showed me exactly what I'd save by switching and handled the whole refinance. I'm now saving $380 a month.
I just wanted to know if my rate was any good. Turns out it was actually competitive — Wity told me that honestly. Now I know I'm not being ripped off, which is worth a lot.
I'd been with my bank for seven years and never questioned the rate. RetainMe showed me I was 0.7% above market. Wity negotiated it down in a single phone call. I didn't have to do a thing.
My bank wouldn't move more than 0.1%. Wity showed me exactly what I'd save by switching and handled the whole refinance. I'm now saving $380 a month.
I just wanted to know if my rate was any good. Turns out it was actually competitive — Wity told me that honestly. Now I know I'm not being ripped off, which is worth a lot.
I'd been with my bank for seven years and never questioned the rate. RetainMe showed me I was 0.7% above market. Wity negotiated it down in a single phone call. I didn't have to do a thing.
My bank wouldn't move more than 0.1%. Wity showed me exactly what I'd save by switching and handled the whole refinance. I'm now saving $380 a month.
I just wanted to know if my rate was any good. Turns out it was actually competitive — Wity told me that honestly. Now I know I'm not being ripped off, which is worth a lot.
I'd been with my bank for seven years and never questioned the rate. RetainMe showed me I was 0.7% above market. Wity negotiated it down in a single phone call. I didn't have to do a thing.
My bank wouldn't move more than 0.1%. Wity showed me exactly what I'd save by switching and handled the whole refinance. I'm now saving $380 a month.
I just wanted to know if my rate was any good. Turns out it was actually competitive — Wity told me that honestly. Now I know I'm not being ripped off, which is worth a lot.
4.9
Average Google rating
1,000+
Homeowners helped
98%
Client satisfaction
Common questions
Questions about RetainMe.
Takes 30 seconds
You could be saving hundreds. Or you could keep wondering.
Check your rate against 45+ lenders. If you're on a good deal, we'll tell you. If you're not, we'll fix it.
Free. No credit check. 30 seconds.
RetainMe is a product of Wity. Rate comparisons are based on live data from our lender panel and are indicative only. Actual savings depend on your loan balance, lender, loan type, and individual circumstances. Negotiation outcomes are not guaranteed — lender decisions are at their discretion. Refinancing may involve fees including discharge fees, break costs, and government charges. The information on this page is general in nature and does not constitute personal financial advice. Wity is the trading name for Wity Pty Ltd ACN 624 943 559 | Authorised credit representative 508333, a related body corporate of NF84 Pty Ltd (NF84), which holds Australian Credit Licence 531736. Wity and NF84 are subsidiaries and related body corporates of NF84 Pty Ltd (ACN 629 183 633).