You might be
overpaying your
mortgage.
Check your mortgage position and prepare before speaking to your lender. Takes around 60 seconds.
Check My Rate FreeSecure. Private. No credit check.
Your Mortgage Position
Strong PositionYou may be overpaying
$140 – $240 /month
Estimated savings
$1,680 – $2,880 /year
Your Position Score
Small rate differences can add up over time.
$80 /month
~$960/year
That's a weekend away every year.
$150 /month
~$1,800/year
That could cover your holiday.
$250 /month
~$3,000/year
That could be a major financial buffer.
Savings shown are estimates based on typical loan amounts.
In under 60 seconds,
you'll see:
Your mortgage position score
Your estimated savings range
A starter script to use with your lender
Clear next steps
Example result
You may be overpaying
$140 – $240 /month
Your current rate may be worth reviewing before speaking to your lender.
Know what to say before you call.
"Hi, I'm reviewing my mortgage rate and wanted to check if it's still competitive for my situation."
The full plan includes pushback responses, escalation wording and email templates.
Be prepared before
you contact your lender.
The Nivon Mortgage Review Plan includes:
- Full call script (step-by-step)
- Pushback handling & responses
- Escalation wording that gets results
- Email templates
- Follow-up plan to keep momentum
Frequently asked questions
No. Nivon provides general information only — not financial, credit, tax or legal advice. We help you understand your mortgage position and prepare for a conversation with your lender. Always consult a licensed professional for personalised advice.
There's no guarantee, but many lenders do reduce rates when customers ask — especially when those customers come prepared with the right language and approach. Our plan gives you the best possible chance of a positive outcome.
Not necessarily. Our plan is designed to help you negotiate a better rate with your existing lender — no paperwork, no credit checks, no switching. Refinancing is always an option, but it's often not required.
Instantly after purchase. Your Mortgage Review Plan is delivered directly to your email as a clear, easy-to-follow document. You can start your lender conversation the same day.