Free Rate Checker

Sign up

Sign up for Sherlok RateTracker by inserting your email in the window below.

Link your bank

Using your secure link, connect your loan bank account to your Sherlok Account.

Track your rate

Sherlok will scan your current loans, compare them to your lender’s best available offers and give each loan a score out of 10. 

What do I do with my score?

What if my score is low?

Low score? Your rate is no longer competitive. We’ll prompt you to send an automated reprice request – no calls, no emails, no hassle. Just sit back and wait for your lender to respond (usually within 3–5 days).

What if my score is high?

High score? Good news! Your rate is still sharp, so no action is needed.

Now what?

Once you’re set up, RateTraker continues to monitor your loans in real-time. If your rate becomes uncompetitive, you’ll be notified right away – so you can always stay on top of your loans.

If you're not sure

Get in touch with us and let us help you find the best lender for your loan. We'll be happy to renegotiate your term with your current lender or help you refinance with a better suited lender all together!

Luminosity Holdings Pty Ltd (ACN 163 290 435) ATF the Luminosity Trust (ABN 44 624 297 716)
Luminosity Holdings Pty Ltd (Credit Representative 480368) is a Credit Representative of QED Credit Services PTY LTD (Australian Credit Licence 387856).
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.