Stop OverpayingYour Mortgage.Start in Minutes.
RateIQ AI negotiates a better rate with your current lender. No broker fees. No refinancing. No credit score impact.
Scan Your Rate in 60 Seconds
Enter your details and RateIQ AI instantly shows how much you're overpaying.
From Scan to Savings in 3 Steps
The whole process takes minutes, not months.
Enter your current rate, lender, and loan amount. RateIQ AI instantly benchmarks you against today's live market data and reveals your exact savings gap.
Your AI co-pilot generates a personalised negotiation script and email — tailored to your exact lender, loan type, and tenure. Know exactly what to say and when.
Secure your rate cut in days. Track your lifetime savings in real time. You keep 100% of every dollar saved. Most users see results within 72 hours.
See Your Potential Savings
Move the sliders to see what a rate reduction could mean for you.
Why RateIQ AI Wins Every Time
Real Savings. Real Australians.
Join thousands of homeowners who've stopped overpaying.
“I called my bank with the RateIQ script and they dropped my rate by 0.9% in 20 minutes. I'm saving $487 a month. I wish I'd done this years ago.”
“Skeptical at first, but it actually worked. My lender matched a competitor rate I showed them. Total saving over the life of my loan is $84,000. Unreal.”
“Did the free scan, saw I was 1.1% above market rate, used the Pro script, rate dropped in 4 days. Best $49 I've ever spent.”
“I called my bank with the RateIQ script and they dropped my rate by 0.9% in 20 minutes. I'm saving $487 a month. I wish I'd done this years ago.”
“Skeptical at first, but it actually worked. My lender matched a competitor rate I showed them. Total saving over the life of my loan is $84,000. Unreal.”
“Did the free scan, saw I was 1.1% above market rate, used the Pro script, rate dropped in 4 days. Best $49 I've ever spent.”
Start Free. Save Big.
No lock-in contracts. Cancel any time. Your savings are always yours.
Frequently asked questions
Your Rate Terminal
The dashboard your bank doesn't want you to have.
You are currently 0.51% above the market median for this loan size.
Market Comparison
Active Case: #EOS-44829
ASIC Regulated
Full Australian Credit License holder. We operate under the same conduct standards as your bank — not as an unregulated info-product.
No Refinance Necessary
We negotiate with your current lender. No credit checks, no application paperwork, no valuation, no settlement costs.
Outcome-Priced
A small percentage of the first year's actual savings. Zero risk: if we can't lower your rate, you pay nothing.