Home loans / Stay with my lender
Before you consider moving your loan, see how your current rate compares. Wity helps you prepare the numbers and the words for your own conversation with your lender.
Start with your current loan
You don’t need to decide to switch before checking your position. Start with what you pay, what you want to keep and what you’d like your lender to reconsider.
“Is my rate still competitive?”
Share your current balance, rate and loan setup to see indicative comparisons with the market data Wity tracks. A lower advertised rate is a starting point for a question, not a rate you’re guaranteed to receive.
“I’d rather stay where I am.”
Your Negotiation Brief brings together the comparison and a suggested opening for the conversation. You contact your lender and ask them to review your pricing.
“What would make staying worthwhile?”
Tell us what you want your lender to consider, including your rate and the features you value. Take those priorities into the discussion rather than focusing on the headline rate alone.
“What if they won’t move?”
You can explore switching if your lender’s response doesn’t meet your needs. Refinancing involves a separate assessment of your circumstances, the loan options and the costs of moving.
Before you ask
The rate is one part of the decision. Keep these questions beside the market comparison when you speak with your lender.
Explore refinancingYour lender decides whether to change your pricing. Negotiation outcomes and savings are not guaranteed.
The next steps
Wity Negotiate helps you prepare to speak with your existing lender. You stay in charge of the conversation and what happens afterwards.
Tell us your current lender, balance, rate, loan setup and property details, along with what you’d like to change.
See how your current rate sits against the market data Wity tracks. Where there’s a gap to discuss, use the comparison and suggested opener to prepare.
Make the call yourself and ask for a pricing review. Your Wity adviser can help you prepare for that conversation.
Check the details of any revised deal. If you want to explore moving the loan, begin the separate refinance process with Wity.
The Negotiation Brief provides indicative market comparisons, not a personal loan recommendation. Wity Negotiate does not lodge a loan application.
A little more clarity
A few useful answers. For the details that are specific to you, talk with our team.
Book a callKeep exploring
See how your current rate compares, then prepare to ask your lender what they can do.
Market comparisons and estimates are indicative, based on the details you provide and the data Wity tracks. They are not a personal recommendation or confirmation of eligibility. Your lender decides whether to change your pricing; rates and savings are not guaranteed. Refinancing is a separate process and may involve fees, break costs and lender assessment.
