Are You Paying the Loyalty Tax? Why Your Bank Is Charging You More Than New Customers

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Издатель Mar 6, 2026

Most Australians are paying a loyalty tax on their home loan without even realising it. If you’ve stayed with the same bank for more than 12 months, chances are you’re being charged a higher interest rate than new customers and today we’re breaking down why.

In this video, we explain exactly how the loyalty tax works, why banks rarely reward loyalty, and how homeowners across Australia can save thousands simply by asking the right questions. If you’ve ever wondered why your rate keeps creeping up, why your friend has a better deal with the same bank, or whether you’re being ripped off, this video is for you.

If you’re searching for “why is my interest rate higher?”, “how to negotiate with the bank”, “repricing vs refinancing”, “best home loan rates QLD”, “interest rate review Australia”, this video has everything you need.

Chapters
00:00 What is Loyalty Tax
01:15 The Reason not to Stay
02:00 How much it can Save you
02:30 How to get the best interest rate
02:55 How much interest we have saved so far
03:14 Why people aren't doing this
04:00 Why Refinance you Loan

For more information visit https://www.madd.com.au/

DISCLAIMER: These videos are NOT personal advice; these are general information videos and should not be taken as advice for your personal situation. If you want personal advice, you should speak to a qualified financial planner about your personal situation.

For home loan enquiries: https://www.madd.com.au/contact/
For financial planning enquiries: https://www.madd.com.au/madd-life-con...
Get in touch with George here: https://www.georgesamios.com/

Madd Loans Brisbane Mortgage Broker
12 The Corso, Seven Hills, QLD 4170
07 3899 0009
save@madd.com.au

Not all Mortgage Brokers and Financial Planners are the same. At Madd, we focus on the journey not just the destination, giving our customers a Madd experience every time. We stand out as one of Australia’s leading mortgage brokerages because we prioritise educating and mentoring our clients on effective strategies to reach their version of financial freedom. Navigating home loans whether you are investing, buying your first home or refinancing, can be daunting. Skip the stress and complexity of dealing directly with lenders by partnering with a Madd Mortgage Broker.