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Why Does Sherlok only review clients on a 12 monthly basis?

Sherlok reviews clients annually to maximize savings and prevent bank declines that occur with more frequent repricing.

By repricing every 6 - 12 months we maximise on savings 

If the client has previously been repriced in the last 6 months, we have found that the bank will decline the reprice request and then that client will have to wait another 6 months for a reprice request to be accepted by the lender, 

By queuing the loan for a reprice between 6 to 12 months after their last review, we can maximise the savings that will be offered as a lender.