Home Loan Hindsight Survey
What 1,000+ Australian homeowners would do differently with their loan. The free report covers rate negotiation, lender choice, and refinance timing.
What the survey covers
We surveyed homeowners who took out their loan between 2018 and 2024 about: the rate they ended up with vs the rate they could have negotiated, lender choice in hindsight, refinance frequency, and the single thing they'd change about the process.
The headline finding: 62% wished they'd negotiated harder on rate. Median "left on the table" = $14,800 in additional interest paid over 5 years from suboptimal rate choice.
Get the report
The full report is available on request. Email info@xcelcorp.com.au with subject "Hindsight Survey".
References
- Australian Bureau of Statistics: Residential property prices, Underlying market data informing the survey
- RBA: Cash rate target, Rate-cycle context for survey respondents 2018-2024
Related guides
Put this guide into action
Compare actual rates, track the market, or model the numbers.
- Compare home loan ratesEvery lender on our panel, ranked by comparison rate and refreshed daily.
- Cheapest home loans todaySorted by comparison rate, the true cost including fees.
- Refinance home loansMost borrowers save $200 to $500 a month switching.
- Home Loan Rate IndexWhere rates sit today versus the last 12 months.
- RBA cash rate trackerThe cash rate and what it means for your repayments.
- Repayment calculatorMonthly, fortnightly, weekly, P&I or interest-only.
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