ARE YOU TRAPPED IN MORTGAGE PRISON?

Most Australians don't know whether they're paying a competitive interest rate.

The problem? Banks rarely reward loyalty.

You could be paying thousands more in interest every year without realising it.

  • 30-second check

  • No commitment

  • Potentially save thousands

7Wealth | Mortgage Rate Rescue™
Mortgage Rate Rescue™
30-Second Home Loan Rate Check

Mortgage Rate
Rescue™

Discover in 30 seconds whether you're paying too much on your home loan.

Compare your rate against today's market and get a proven negotiation script you can use with your lender.

✓ Takes 30 seconds✓ No obligation✓ Free negotiation script

Your quick result

A clear traffic-light result in seconds
Green: Your rate looks competitive.
Amber: There's room to negotiate.
Red: Mortgage Prison Alert – act now.

This is a general guide only, based on published bank interest rates. It is not personal financial advice.

The 30-Second Rate Check

Let's check your home loan rate

Keep it simple – just four quick questions and we'll show you where you sit against today's market.

Your Result

Where you sit against the market

0
SCORE

Mortgage Rate Rescue™ Score0/10
A simple score based on your rate against today's competitive range.
⚠️ WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different amounts, terms, fees or loan features might result in a different comparison rate.

⚠️ Mortgage Prison Alert

You're likely paying more than necessary for your home loan. Most lenders have retention teams and pricing discounts available, but many borrowers never ask.

Mortgage Rate Rescue™ Call Script

Here's exactly what to say

Borrowers rarely get a better rate just by hoping. A short, confident phone call is often all it takes. Here's your script, personalised to your numbers.

Here's the clever bit…

We don't give you a single comparison rate – we give you a range. Lenders immediately argue against one exact number, but a range feels realistic and gives you negotiating room.

If the lender asks: "Where did you get those rates?"
Reply: "My mortgage broker provided them as current market comparisons."
If the lender says: "We can't match those rates."
Reply: "Can you tell me what your best available retention rate is before I consider refinancing?"
✅ If the lender drops your rate
Tell us your new rate and we'll work out your savings.

This is where the magic happens

Call your lender within the next 48 hours. Many lenders won't advertise their best rates – you often have to ask.

Did your lender improve your rate?

🎉 Congratulations

You've officially escaped part of Mortgage Prison. Tell us how much you saved.

✓

Thanks – nice work!

That's okay

Not every lender is willing to negotiate. Book a free Mortgage Freedom Review and we'll show you what options might be available.

Prepared by 7Wealth Pty Ltd
03 4411 8744 · [email protected]

Important information and general advice warning

Mortgage Rate Rescue™ is a general educational tool only. It does not take into account your objectives, financial situation or needs and is not personal financial advice, credit advice or a credit quote. Competitive market ranges shown are indicative interest rate and comparison rate ranges only, based on a periodic review of published rates from Australian banks (CBA, NAB, ANZ, Westpac, Macquarie, ING and Bank of Melbourne) for owner-occupier and investment principal and interest home loans, and will change as the market moves.

The interest rate is the rate charged on your loan balance. The comparison rate combines the interest rate with most known fees and charges into a single figure, calculated under the National Credit Code on a standardised example of a $150,000 loan over 25 years – it will differ for your actual loan amount and term.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different amounts, terms, fees or other loan amounts might result in a different comparison rate.

This tool does not advertise a specific lender's credit product; it is a general indicator only. Always request the specific interest rate, comparison rate and Key Facts Sheet for any loan you are considering before making a decision. Estimated savings are calculated by applying the difference between your entered rate and the competitive interest rate range to your mortgage balance, and do not account for fees, loan features, offset/redraw balances, fixed rate break costs, LVR, credit history or lender-specific policy. Actual outcomes depend on your lender's assessment. This tool does not constitute a recommendation to refinance or remain with any lender. Seek advice, including from a mortgage broker or credit adviser, before making decisions about your home loan.

7Wealth Pty Ltd · ABN 44 609 210 246 · Corporate Authorised Representative of Cobalt Advisers Pty Ltd · AFSL 512550. 7Wealth Pty Ltd is a Credit Representative of Australian Finance Group Ltd (AFG) · Australian Credit Licence 389087. © 7Wealth Pty Ltd.

Want to Become Mortgage Free Sooner?

We help clients focus on three simple steps:

  1. Optimise Your Loan

  2. Plan Your Payoff

  3. Build Your Buffer

Small changes can make a big difference over time.

Ready to see what's possible?

Book Your Free Mortgage Freedom Session Below

Why Australians Choose 7Wealth

  • Trusted by Australians preparing for retirement

  • Clear, straightforward advice

  • Helping clients build confidence to be mortgage free for retirement

Don't Just Take Our Word For It

Google Reviews

Want More Financial Clarity?

Join our weekly 7Wealth Insights email for practical retirement strategies, investing ideas, money management tips and mindset lessons designed to help you build wealth and make more confident financial decisions.

© Copyright 2018. 7Wealth Pty Ltd. All rights reserved.