Compare mortgages, insurance, pensions and savings through independent AI analysis of the whole UK market — free of charge, and without signing up.
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Based on your profile and available market data · 3 options curated
AI Recommended1
NatWest
3-year fixed rate
Match levelHigh
Rate
3.94%
Sannolikhet
Stark
Per month
9 850
3 years total
354 600
Why this choice
This lender has historically adjusted its margin downward. Your profile sits within their typical approval range · typical processing 3–7 days.
Free of charge·No fixed term·Secure redirect
Snabbaste beslut2
Santander UK
Variable rate
Match levelGood
Rate
4.18%
Decision
1–2 days
Per month
10 100
Sannolikhet
High
Why this choice
Santander UK har bland the fastest processing times. You pay marginally more per month but get a decision considerably faster.
Free of charge·No fixed term·Secure redirect
Lowest total cost3
Halifax
5-year fixed rate
Match levelStark
Rate
3.79%
5-year lock
JA
Per month
9 700
5 years total
582 000
Why this choice
A leading 5-year fix sits under marknadssnittet. Indicative saving if rates rise over the period.
Free of charge·No fixed term·Secure redirect
Representativt exempelMortgage £300k · 30 yrs · 5.10% (APRC 5.3%) · £1,630/mo · total cost £515,000. Final rate set by the bank following their own assessment. BANKAI is not a lender or financial adviser.
AI Mode activated—
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BANKAI uses AI-based indicative analysis to identify relevant options based on your profile and market data. BANKAI is not a lender or authorised financial adviser. Final terms are always set by the respective institution following their own assessment.
Dominion Intelligence—
Live · Bank of England · ONS · ECB
Sveriges finansiella puls.
Marknadsdata · uppdaterad 21 maj 2026
BASE RATE
2,35%
Bank of England · 8 May 2026
Next decision: 19 June
INFLATION · KPIF
2,1%
ONS · april 2026
Target: 2.0%
AVG MORTGAGE RATE
4,05%
3-month · big-bank average
Source: public advertised rates
Dominion Intelligence Brief
The Bank of England cut the base rate 0,15 procentenheter in May
— the first cut since 2024. Inflation has stabilised near
the 2.0% target. For borrowers on a 3-month tracker rate:
expect an adjustment within 60–90 days. For savers the big banks’ rates lag — top accounts still offer
3,6% mot snittet runt 1,8%.
The most common financial leaks in the UK
Want to see how you compare to the UK average?
90-second benchmark · everything calculated locally in your browser
🔒 Noll personuppgifter sparas · ingen server, ingen tracking
76
Sveriges snitt-score
Bas-indikator · ONS-statistik
Sovereignty QuizQUESTION 1 · 7
Do you have a mortgage — and what rate do you pay?
What about your other debts?
Where do you have cover bundled in? (SELECT ALL THAT APPLY)
How are your savings?
Do you save regularly each month?
How is your pension?
How do you feel financially right now?
How your score is calculated
Transparent · honest methodology
Slutgiltig score76
The score is calculated via Claude Sonnet 4.6 based on your answers in the RADAR quiz and your vault data. The algorithm is calibrated against public statistics and average market rates. Base score 76. Modifiers are added or subtracted. Min: 12. Max: 98.
Intelligence Hub · BANKAI
The UK’s deepest financial notlligence.
Five foundational pillars of AI-analysed, data-calibrated, Sonnet-generated notlligence. Here you find the why, the how — and what it costs you not to act.
5 Pillar analyses · ~18,500 wordsLast updated: 21 May 2026
· The Hidden Mortgage Rate
Pillar 01 · Mortgages
The Hidden Mortgage Rate
Reading: 14 minUpdated: 21 May 2026Dominion Research
The average UK borrower pays 0.42 percentage points more than the market average. On a typical £280,000 mortgage that means around £1,180 in unnecessary notrest per year — money that could have gone to savings, pension or life.
This pillar explains exactly why, how to spot it — and what you can do about it within 24 hours.
Market average · 3-month
4.04 %
Bank of England · updated monthly
Why is your mortgage hidden-expensive?
Banks do not negotiate spontaneously. They count on you not asking for a reduction. The statistics are unambiguous: 72% of UK borrowers have never negotiated their rate after the initial set-up.
This is the core of the pillar — the hidden gap between the advertised price and the market’s real rates. AI-driven comparison changes the game because the tool works for you.
The three biggest loss factors
Loyalty premium · the bank assumes you stay without asking
Fixed period · 3-month vs 1-year vs 3-year · priced against you if you don’t know the average
Loan-to-value · every 10% drop in LTV lowers the rate ~0.15pp
How AI changes mortgage negotiation
Claude-based analysis compares your current rate against the market average, public statistics and real-time data from 47 UK mortgage lenders. The result is a concrete recommendation — not a range, not an average, but exactly what you should pay given your profile.
What you do · 4 steps
Open the Rate Reducer in the Command Center
Enter your current mortgage (5 fields · 90 sec)
AI delivers three banks with an exact rate proposal
Contact your current bank with the figures → switch otherwise
Average result · BANKAI users
−0.31 pe
Average rate reduction · first negotiation
Activate your analysis
See exactly what your mortgage rate should be · 90 seconds
Related pillars
· Insurance overlap Guide
Pillar 02 · Insurance
Insurance Overlap · The Hidden Double Cost
Reading: 12 minUpdated: 21 May 2026Dominion Research
Approximately 30% of UK households pay for insurance they don’t know they already have. Through banks, unions, premium credit cards and private policies, cover stacks on top of itself — without you noticing.
The average overlap cost is £240 per year. This guide helps you find and eliminate it.
Households with overlapping cover
~30 %
ONS · Konsumentverket 2024
The four overlap channels
Bank · travel cover, card cover, account cover
Unions / associations · professional bodies often include home + accident cover
Privata avtal · Aviva, Admiral, Direct Line — where you pay directly
Why this is invisible to you
Insurance products are not transparent. Policy documents run 40+ pages and are written in legalese. Banks rarely mention that their "Premium account for £4/month" includes travel cover — because it doesn’t benefit them for you to cancel the private one.
BANKAI’s Double-Scanner uses an AI pipeline matching 25 unions’ standard terms against 18 banks against 12 premium card issuers. It gives you a concrete list of what you pay twice for.
The three most common overlap cases
Union × Bank travel cover · saving potential ~£84/yr
Vision × Direct Line Hem · saving potential ~£56/yr
Scan your situation
Find your insurance overlap · 60 seconds
Related pillars
· Sovereignty Score Explained
Pillar 03 · Branded
Dominion Sovereignty Score · What it is, how it’s calculated
Reading: 10 minUpdated: 21 May 2026Dominion Research
The Dominion Sovereignty Score is an indicative measure from 12 till 98 reflecting how well your finances stand against the average UK household. The base score is 76 — modifiers are added or subtracted based on seven core variables.
Bas-score · ONS-snitt
76
Algoritm kalibrerad mot Bank of Englands data 2024
De sju variablerna
Mortgage rate · ±22 points depending on deviation from the average
Skuldsituation · ±14 points based on number of active loans
Insurance overlap · −10 points if ≥2 channels at risk of overlap
Sparbas · ±12 points based on buffer + regularity
Monthly saving · ±6 points
Pensionsstatus · ±8 points
Financial sentiment · ±6 points (self-assessed)
Why this is not a credit score
The Sovereignty Score is not the same as Experian, Equifax or similar. It does not affect your ability to borrow. It is an notrnal indicator for yourself — a compass point showing where you stand and where you can optimise.
What the score is NOT
Not a credit score or rating
Not financial advice or a recommendation
Not a basis for lending or insurance decisions (the bank does that)
Not a guarantee — it is indicative statistics
How to raise your score
Your score rises when you act on the three concrete insights RADAR shows. Each action generates a measurable point change at the next calculation. Average rise among active BANKAI users: +11 points within 90 days.
Calculate your score
Take the quick quiz · 7 questions · 90 seconds
Related pillars
· The pension gap Workplace vs own
Pillar 04 · Pension
The Pension Gap · Workplace vs Own supplement
Reading: 16 minUpdated: 21 May 2026Dominion Research
The average UK employee on a workplace pension receives a pension equal to 38% of final salary. To reach 70% — which most people plan for — you need a personal pension top-up of roughly £105 per month under hela yrkeslivet.
This pillar explains the pension gap, how workplace pensions work and how to build a correctly sized top-up.
Workplace pension · average replacement level
38 %
Pensionsmyndigheten · 2024
What is a workplace pension — and why isn't it enough?
The workplace pension is the scheme most employees are auto-enrolled into. The employer contributes a percentage of salary up to a threshold and more above it. The contributions are invested in funds you choose.
The problem is not that the workplace pension is bad — it is designed to be a komponent of your pension, not the whole. Together with the State Pension, the average total pension lands around 60-65% of final salary. To reach 70-80% you need to supplement.
How large does your top-up need to be?
As a rule of thumb: £85/month for 30 years gives ~£42,000 in pension capital (at 4% real return). This translates to roughly £210/month in lifelong pension from age 65.
The self-employed pension gap is especially critical
As a self-employed person you have no workplace pension automatically. The State Pension gives around 45% of salary. The remaining 25-35% you must build yourself via a SIPP, ISA or annuity. Average top-up for the self-employed: £200/month.
Calculate your pension gap
See exactly what you need to save · 90 seconds
Related pillars
· Sovereign Identity & RegTech
Pillar 05 · B2B · Sovereign Infrastructure
Sovereign Identity & RegTech · Overview
Reading: 18 minUpdated: 21 May 2026Dominion Research
The EU digital identity wallet (eIDAS 2.0 · EUDI Wallet) comes into force november 2026. By 2027 every EU member state must offer a certified wallet to its citizens. It is the biggest change in European identity infrastructure since the passport.
This pillar explains Sovereign Identity, AI-driven RegTech and how Dominion Capital positions infrastructure for the new regulatory landscape.
EUDI Wallet · entry into force
2026 — 2027
EU-kommissionen · eIDAS 2.0
What is Sovereign Identity?
Sovereign Identity (or Self-Sovereign Identity, SSI) is a model where the individual owns and controls their own digital identity — not the platform, the bank or the state. You can present a specific attestation (for example "I am over 18") without revealing the rest of your identity.
Technically it is based on decentralised identifiers (DIDs) and verifiable credentials (VCs). The EUDI Wallet is the EU’s standardised implementation.
Why RegTech explodes 2026-2030
EU har samtidigt drivit igenom tre parallella regulatoriska ramverk: AI Act (i kraft 2026), Digital Operational Resilience Act (DORA) (applies to banks from 2025), and Data Act (2025). Together they create a market for automated compliance — RegTech — expected to grow from USD 15 billion in 2024 to 40 billion by 2030.
Dominion Capitals positionering
AEGIS EU Regulatory (.be) · RegTech-as-a-Service for EU compliance
Custodi Swiss (.ch) · tokeniserad custody under FINMA
Dominion Sovereign (.li) · family office advisory from Liechtenstein
355 sovereign domains across 12 jurisdictions
What this means for UK firms
For UK firms it means that from 2026 compliance can no longer be a manual affair. Firms with >50 employees or annual turnover >£1M need automated pipelines for:
AI-systeminventering (AI Act Art. 12)
Operational resilience testing (DORA)
Datakontrolls-mappning (Data Act + GDPR)
EUDI notgration for customer identification
B2B · Sovereign infrastructure
Discuss RegTech implementation for your firm
Related pillars
· Dominion Mandate and Doctrine
Pillar 06 · The institutional architecture behind BANKAI
The European financial market is governed by noise, hidden margins and steered sales channels. Dominion Intelligence was built to filter out the noise.
We are an institutional architecture, driven by artificial notlligence. We do not guess. We calculate.
Our promise is absolute transparency
Kognitiv Precision
Our engine shows the optimal financial choice based on pure data, nothing annat.
Inviolable Analysis
You never pay for our notlligence. When our algorithm matches you with the right institution, the institution pays our infrastructure fee. Our results can never be bought, manipulated or bypassed.
We don't take the bank's side. We take the side of the maths. Your money. Your sovereignty.
I · Mandatet
Dominion Capital exists to correct a specific asymmetry.
UK personal finance suffers from a structural information advantage in favour of banks, insurers and pension managers. It is not an accident. It is the system's design.
We operate to level this — not by negotiating on the individual’s behalf, not by arranging products, but by making available the analytiska kapacitet that previously only institutional players had access to.
BANKAI is the first executive manifestation of this mandate.
II · What our analysis finds
The UK consumer bears a systemic excess cost accumulated through four distinct channels:
Mortgage rates. The market is built to reward loyalty rather than penalise it. Statistics show a majority of UK borrowers never renegotiate their rate after the initial set-up. The average deviation from the market average reaches up to half a percentage point — a figure that translates into thousands of pounds in annual excess cost for the individual household.
Insurance overlap. Cover structures accumulate through banks, unions, card providers and private policies without the consumer being able to see the whole picture. Studies suggest roughly one in three UK households pay double premiums for the same cover.
The pension gap. The workplace pension is designed as a component, not a whole. This is not communicated clearly. The average final replacement level lands around 60–65 per cent of final salary — significantly lower than the general expectation.
Interest-free savings accounts. Despite the base rate moving significantly in recent years, a significant share of UK savings accounts still offer near-zero rates. This is not a mistake. It is a revenue strategy.
Together these four channels constitute an annual systematic transfer from UK households to institutional players. The exact scale varies, but the order of magnitude is significant.
III · Our position in relation to this
Dominion Capital is not a bank. Not a broker. Not an adviser in the legal sense.
We are a analytisk institution. Our function is to deliver the executive notlligence previously available only to family offices, institutional managers and qualified investors — packaged in a format that meets the private consumer where they are.
BANKAI functions as Command Center: a place where the individual can calculate their exposure to these systemic flaws and receive concrete recommended actions based on public statistics, average market rates and official pension datasets.
Final decisions are made by the individual. Final terms are set by the respective institution. We provide the diagnosis. We do not provide the prescription.
IV · The analytical architecture
Dominion Intelligence operates via a proprietary multi-model AI pipeline where different capabilities handle different analytical layers.
Foundational Analysis and Continuous Intelligence are carried out by The Dominion Engine — our in-house, proprietary AI pipeline built on state-of-the-art constitutional AI.
The Engine is responsible for system architecture, qualitative synthesis, the overall analytical framework and the numerical calculations that drive the Sovereignty Score and the three dynamic insights RADAR delivers weekly.
The algorithm is calibrated against public, auditable datasets. It is updated monthly. The Sovereignty Score operates on a scale of 12–98 with a base of 76, and every modifier is fully transparent via the (?) How is this calculated? function in the RADAR overlay.
Constitutional AI as an architectural foundation is a deliberate choice. Reliability in numerical transparency is non-negotiable for YMYL content (Your Money, Your Life).
V · What we are not
The negative definition is often clearer than the positive.
We are not authorised financial advisers. This is not a shortcoming — it is a strategic choice. Authorisation in financial advice comes with structural incentives we have chosen to stand outside of.
We are not a lender. We do not arrange credit, we do not negotiate terms for individual customers and we receive no compensation from lending institutions for recommendations in the analytical sense.
We are not a broker. The insurance analysis in BANKAI is diagnostic, not transactional.
We do not depend on hidden ad networks. Our infrastructure is funded through institutional B2B agreements and strategic clearing partnerships. The user’s analysis is always independent and free of direct cost.
VI · Doctrine
Transparency over mystique. Every calculation is auditable in real time. Every modifier is documented. We use no impenetrable black boxes in the analyses delivered to the user.
Indicative over absolute. We use the word indikativ deliberately. We do not have access to every variable in a person’s life — only the statistics. We show what the statistics suggest. The user notrprets.
Independence over commission. No financial relationships affect the analytical notgrity of the recommendations generated.
Privacy by design. User input is stored locally in the browser. No personal data passes our servers without active consent. This is not a marketing point — it is the system architecture.
Restraint over expansion. We do not grow in categories where our methods do not hold. We do not add features to raise a price tag.
Long horizon over quarterly capitalism. The company is built to create lasting structural power. We optimise for asymmetric market dominance, not short-term profit.
VII · Institutionell struktur
Dominion Capital operates within a jurisdictional architecture designed for long-term regulatory stability and respect for individual financial sovereignty.
Operativ entitet · svensk aktiebolagsform under registrering. Detaljer publiceras vid avslut.
Holdingstruktur · sovereign holding architecture with ultimate parent based in Liechtenstein. Activated as the institutional B2B vertical scales.
Institutional B2B-vertikaler · operating subsidiaries for regulatory technology, tokenised custody and institutional advisory are planned within EU regulated jurisdictions.
The full structure is communicated only to institutional counterparties under standard due diligence.
VIII · Roadmap
2026 · first half. BANKAI’s analytical capacity is activated for the UK public. Backend infrastructure goes live. The Intelligence Hub is published in full.
2026 · second half. A weekly notlligence brief is established as a distribution channel. A premium tier for institutional clients is in preparation.
2027. Dominion Capital’s B2B vertical is activated. RegTech-as-a-Service is made available for firms ahead of the full entry into force of the EU AI Act, DORA and Data Act.
2028 and onward. Sovereign holding-strukturen aktiveras i full omfattning. Institutionella partnerskap inom EU-jurisdiktioner etableras.
IX · Regulatory matters
BANKAI is not an authorised financial institution, not registered with the FCA as a financial adviser, and not a credit broker in the legal sense.
Plattformen levererar AI-baserad indikativ analys based on public statistics. Final terms for loans, insurance, savings and pensions are always set by the respective institution following their own assessment.
The platform’s analyses do not replace professional advice from an authorised financial adviser when the individual’s situation requires it.
Personal data is not stored on external servers. User input is saved locally in the browser (localStorage) and can be deleted by the user at any time.
X · Institutional contact channels
General enquiries · general@dominioncapital.li Intelligence brief and Pillar-related questions · notlligence@dominioncapital.li B2B and institutional partnership · regulatory@dominioncapital.li Press, editorial and journalistic enquiries · press@dominioncapital.li Strategiska partners · ir@dominioncapital.li
All contact channels are activated in stages as Dominion Capital’s entitetsregistrering.
Avslutande observation
The financial system is not built for the individual’s long-term sovereignty. It is built for the institutions’ margins.
This is not a moral claim. It is a structural observation.
Dominion Capital operates to make available the analytical counterweight. Not as activism. As infrastruktur.
Command Center
Calculate your exposure to the system’s structural asymmetry
Related pillars
Saved to your vault · AI monitors market changes
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