22/05/2026
Stop what youāre doing and call your broker today.
Not next week. Not after the budget noise settles. Today.
Hereās something nobody is talking about in the middle of all this budget chaos.
When a bankās future lending pipeline shrinks, their existing clients become everything. Every loan they already hold becomes more valuable to them overnight.
Which means right now, banks are more motivated than theyāve been in years to keep you. And that motivation has a dollar value.
Your broker should be extracting it for you.
Last week I picked up the phone for three CBA clients.
Three calls. Three rate reductions.
Zero refinancing.
Zero paperwork.
Zero stress.
š Georgia - investment loan, 2 year mark. Down 0.22%
š Duncan - home loan, 12 month mark. Down 0.11%
š Alex - investment interest only loan, 3 year mark. Down 0.29%
Same bank. Same loans. Just a broker who knows when to ask, and how to ask.
This is what an annual review is worth in the real world.
Most people havenāt reviewed their rate since they signed their loan documents. The bank is quietly hoping that never changes.
Because every month you donāt ask is another month they keep the extra margin in their pocket.
The budget has shifted something. Banks need to protect their existing loan book more than ever right now.
That is your leverage. And the window to use it is open today.
If I havenāt called you in the last 12 months, Iāll be calling you this week.
And if youāre not my client yet, ask yourself why your current broker hasnāt called you either.
When did you last have your rate reviewed?
Drop it in the comments. I guarantee most people reading this are sitting on a rate they shouldnāt still be paying.
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Book your free annual review today.
