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.
Rated 4.9 on Google by Australian homeowners
Accredited with Australia's leading lenders
Your choice
Stay and negotiate. Or switch and save.
You get the evidence either way. Use it on your bank, or hand it to us and switch.
You call. We arm you.
Don't want to move? We hand you the gap, live competing rates, and the exact script for your lender's retention line. One ten-minute call — you stay in control.
- Same lender, same account
- Keep your offset and redraw
- No application, no settlement
- Word-for-word script, free coaching
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
- Typical switch: 4–6 weeks
Not sure which path? Start with the rate check. If your lender won't match the market, the same evidence powers your refinance.
How Wity Negotiate works
We arm you. You make the call.
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.
Get your brief
Overpaying? We build your case: the gap, live competing rates as evidence, and the exact script for your lender's retention line.
You make the call
Ring your lender with the script — most calls take about ten minutes. Want backup? Book a free coaching call with the Wity team first.
Win either way
Your bank matches the market and you stay. Or they won't move — and one tap turns your evidence into a refinance across 45+ lenders.
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 19 Jul 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. Wity Negotiate showed me I was 0.7% above market and gave me the exact words to use. One ten-minute call and my bank matched it.
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. Wity Negotiate showed me I was 0.7% above market and gave me the exact words to use. One ten-minute call and my bank matched it.
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. Wity Negotiate showed me I was 0.7% above market and gave me the exact words to use. One ten-minute call and my bank matched it.
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. Wity Negotiate showed me I was 0.7% above market and gave me the exact words to use. One ten-minute call and my bank matched it.
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
2,400+
Loan products compared
98%
Client satisfaction
Common questions
Questions about Wity Negotiate.
Takes 30 seconds
You could be saving hundreds. Or you could keep wondering.
Check your rate against 45+ lenders. Good deal? We'll say so. Overpaying? You'll get the script — and the backup plan.
Free. No credit check. 30 seconds.
Wity Negotiate is a free Wity tool. 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).