Renegotirate. How we renegotiate your home loan. Step One. We collect the information we will require to renegotiate your home loan. Step Two. We analyse your current home loan interest rate and prepare a renegotiation submission to your bank. Step Three. We submit the request and negotiate your interest rate with your existing bank. We are a free service (no fee). Step Four. We apply any additional discount we have been able to achieve to your home loan. Then repeat annually. RenegotiRate My Home Loan