Shop around for a better deal: Broker. A Toowoomba mortgage broker has advised clients who are unhappy about their current interest rate to shop around for a better deal. The Reserve Bank recently dropped interest rates by .25%, with some lenders passing on the full rate cut, while others passed on .2%. Brad Spanner, director of Top of the Range Home Loans, said home-owners should seriously consider moving their mortgage if their lender’s rates are too high. "Don’t accept it,