Yep, just like your favourite shops, banks go on sale too. In this first lesson, Ben explains why banks offer lower rates at certain times and how understanding their business model can actually work in your favour. When lenders are under pressure to grow their loan books or protect their profit margins, they’ll offer sharper deals—sometimes with cashback incentives or temporary rate drops.
This is your chance to negotiate smarter, not harder. If your fixed rate is ending soon, this insight alone could save you thousands.