Your rate scored
a 47 out of 100.
You're at 6.89% on a $650k loan with CBA, 4 years unrepriced. The cheapest matched product across 42 lenders today is 5.49%. Closing that gap is worth $8,400 a year.
You're in the bottom 9% of CBA owner-occupiers at this LVR. Your bank's discount has stayed flat for 4 years while market discounts widened by 60 bps.
Your rate sits
where, exactly?
Of the 47 matched products across 42 lenders for your LVR band and loan type, you're paying more than 91% of them. You'd need to drop 140 bps to clear the median.
Where your gap
comes from.
The 140 bps gap between your rate and the cheapest matched product breaks into four drivers. Each is capped at how much of your gap it can explain — never the population spread.
You've been on the same rate 4 years.
CBA's front-book rate today is 5.79%. The bank quietly stopped passing rate cuts to existing customers — that's where most of your gap lives.
Big-4 carry a structural premium.
CBA's median sits 38 bps above non-major lender medians for an equivalent loan. You're paying for the brand, not for the rate.
71.9% LVR is the cliff above the 70% band.
Drop below 70% LVR — through valuation, paydown, or both — and you'd unlock the cheaper LVR band most matched products price into.
Standard Variable carries package fees.
Switching to a no-frills variable inside CBA (or to a basic variable elsewhere) drops the product premium without changing your serviceability.
How you stack
against the market.
Even the priciest big-4 median is 50 bps cheaper than what you're paying. The long-tail best is a full 1.4% below.
Even matched against the most expensive sub-cohort (big-4 median), there's still 50 bps of headroom you could capture with a single retention call.
CBA charges
new customers less.
You're at 6.89%. CBA's front-book offer for the same product, same LVR, today is 5.79% — a 110 bps loyalty tax on you specifically.
Three moves
ranked by upside.
Ordered by expected dollar saving. Each maps back to a slice of Figure A so you can see exactly which driver it neutralises.
Call CBA retention. Ask for the front-book rate.
Quote 5.79% (their own published front-book rate) and one matched competitor at 5.49%. CBA retention has authority to match within 24 hours; if they won't, the next rank is refinance.
Refinance to a long-tail lender at 5.49%.
Macquarie or Athena take you about 6 weeks. Closes the full gap if retention won't budge.
Drop below 70% LVR through revaluation.
A free CBA revaluation may bring you under the 70% band, unlocking the cheaper LVR tier on the same product.
One score is a snapshot.
Pro watches every day.
The market moves. Your bank doesn't tell you. Pro re-grades nightly across 42 lenders, pings you when your gap widens by more than 10 bps, and surfaces the action ranked for that exact moment.
Rates pulled live from each lender's public CDR (Consumer Data Right) feed. Decomposition uses a priority-cap model: each driver attributes only as much of your gap as it can plausibly explain.
42 lenders · 47 matched products · refreshed daily 03:00 AEST.
Report ID ZRP-8K47B2
Indicative only — not financial advice. Always verify the rate, fees and eligibility with the lender before acting.