How It Works
How Rate Reboot Works for You
Rate Reboot isn't just another financial service - it's a game-changer in the mortgage industry. As a debt management service regulated by ASIC, we operate in a unique space that allows us to advocate for you in ways traditional brokers can't.
Our process is designed to be simple, effective, and tailored to your specific financial situation. We start by thoroughly evaluating your current mortgage to ensure it's suitable, compliant, and affordable under the NCCP Act.
If we identify any issues or opportunities for improvement, our skilled negotiators spring into action, working directly with your lender to secure a better deal on your behalf.
Step 1:
Evaluation
Step 2: Negotiation
Our expert team engages with your lender to secure a lower interest rate.
Step 3: Implementation
Step 4:
Ongoing Benefits
Rapid Results, Instant Savings
At Rate Reboot, we understand that time is money. Within just 2-4 weeks, you could see a significant reduction in your interest rate, translating to immediate financial relief. Imagine the peace of mind knowing that your next mortgage payment could be substantially lower, putting more money back in your pocket almost instantly. Don't let another month go by paying more than you need to - act now and start enjoying the benefits of a lower rate before your next payment is due.
Processing Days

Answer four simple questions using our online eligibility
calculator to get started
Read Your Mortgage Playbook to learn the proven negotiation
strategies. Then, apply these techniques when engaging with your
lender to secure a lower interest rate.
Receive confirmation of your newly secured, lower
interest rate.
Enjoy reduced mortgage payments and start saving immediately
ELIGIBILITY CHECK
Real Results for Aussie Homeowners
The impact of Rate Reboot on Australian homeowners has been nothing short of transformative. Thousands of Aussies are now enjoying record-low rates, clearing their mortgages years ahead of schedule, and realizing their financial dreams. Our clients come from all walks of life - young families just starting out, established professionals looking to optimize their finances, and retirees seeking to make the most of their golden years. What they all have in common is the significant savings and peace of mind that Rate Reboot has brought to their lives. Don't just take our word for it - hear from some of the countless Australians who have experienced the Rate Reboot difference.

The Johnsons - Sydney
"Rate Reboot saved us $375 per month on our mortgage. We're putting that money towards our children's education fund!"

Mark T. - Brisbane
"I was skeptical at first, but Rate Reboot delivered. My interest rate dropped by 1.2%, and I'm set to pay off my home 5 years earlier!"

The Wilsons - Melbourne
"As retirees, every dollar counts. Rate Reboot helped us reduce our monthly payments, giving us more freedom to enjoy our retirement."