Just completed a rate review for my clients who had their home loan for over 2 years. They have paid their loan down well and the loan LVR has reduced. I submitted a rate review request and managed to drop their rate by 0.42%, saving them $320 per month/ $3,840 per year. Another example of why at Kaya Finance we regular rate reviews for all of our home loan clients do to ensure that they get the best deal.