The Finance Algorithm
§ Tool · tier 2 · independent

Rate Negotiation Helper.

Get talking points and competitor rates to negotiate with your bank

Live dataFree, no signupOn-deviceLiveupd February 2026
Inputs
Your numbers
%
6.5%
$
$500k
3y

Math updates live as you change inputs · AI runs on submit

Awaiting inputs

Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.

Banks rarely offer their best rate upfront - you have to ask. Our AI generates personalized talking points, arms you with competitor rates, and gives you a script to get a better deal from your current lender.

§ Worked examples

Real-world scenarios

Long-Term CBA Customer

David has been with CBA for 8 years at 6.8%, $520,000 loan. Competitors offer 6.1%.

Inputs

currentLender:Commonwealth BankcurrentRate:6.8loanAmount:520,000loanType:Owner Occupier P&IyearsWithLender:8

Script approach: 'I've been a loyal customer for 8 years. I've seen ING and Macquarie offering 6.1%. I'd like to stay but need you to match it.' Expected outcome: 0.4-0.6% reduction.

New Customer Wanting Lower Rate

Lisa is 18 months into her Westpac loan at 6.5%, $400,000 balance.

Inputs

currentLender:WestpaccurrentRate:6.5loanAmount:400,000loanType:Owner Occupier P&IyearsWithLender:2

Less leverage as a newer customer, but still try: 'I'm reviewing my loan and considering options. What can you do to make it worth staying?' Expected: 0.2-0.3% reduction.

§ FAQ

Questions Australians ask

§ Glossary

Plain-English definitions

Retention Team
A specialized team within banks tasked with keeping existing customers. They have more authority to offer rate discounts.
Loyalty Discount
An unpublished rate reduction offered to existing customers who ask. Typically 0.1-0.5% depending on customer value.
Rate Lock
An agreement to fix a rate for a period while your application is processed, protecting against rises before settlement.