A monitoring service built by a working brokerage.
Rate Monitor is a service of Secure Finance — an Australian mortgage broking business that has helped Australians buy, refinance and invest since 2014.
Nobody watches your rate after settlement. Now someone does.
Borrowers routinely overpay for years — not because better options don't exist, but because nobody is checking on their behalf. Lenders reserve their sharpest pricing for new customers, and the "loyalty tax" quietly compounds. Rate Monitor exists to close that gap: your rate stays under review, and you only hear from us when the numbers suggest a meaningful saving is worth discussing — whether that's a better rate from your current lender or a refinance.
Broker-backed
Every review is assessed by Secure Finance's broking team against a panel of 80+ lenders — not an anonymous algorithm firing off marketing emails.
A real benchmark
We look for opportunities where the potential first-year interest saving may be at least $2,500 — from your current lender or a refinance. If it's marginal, we leave you alone.
No cost to you
Monitoring is free. If you choose to proceed with a loan through Secure Finance, lenders pay us a commission — disclosed up front, with no fee charged to you for our broking service.
Established 2014. Over $1B settled.
Secure Finance Services Pty Ltd is an FBAA-accredited mortgage broking business with more than a decade of experience across residential, investment, SMSF, commercial and Shariah-compliant finance. Our brokers work for you, not the banks.
Licensed & accountable
Australian Credit Licence 465059 · AFCA member 43890 · FBAA accreditation M-327230. Fully accountable under Australia's consumer credit framework.
End-to-end support
From first assessment through settlement and beyond — including the ongoing loan reviews that Rate Monitor now automates.
Real reviews
A 5.0-star Google rating across 154 reviews from real borrowers. Visit securefinance.com.au to learn more about the team.
Trusted with Australia's biggest financial decisions.
"In 28 years of mortgages and property ownership, these guys are clearly the best I have dealt with. They bring solutions, not problems, and they make the seemingly impossible, possible."
Phil Young · Google review · Investment finance · ★★★★★
"Jas made the entire process smooth, transparent and stress-free. He was always available to answer questions, kept me updated at every stage, and secured a loan perfectly suited to my needs."
Shan Warraich · Google review · Refinance · ★★★★★
Put your home loan under watch.
Free to set up. No obligation. We only call when the numbers stack up.