How it works
Track your home loan rate. Get notified when savings may be available.
Set it up once — through Open Banking or a two-minute form. From there, Secure Finance watches your rate and contacts you when there may be a meaningful saving worth reviewing — through your current lender or a refinance.
The journey
Five steps, no obligation at any point.
01
Share your loan details
Connect through Open Banking using Frollo, or submit your loan details manually. Owner-occupied, investment, fixed, split, interest-only and SMSF loans are all supported — complex scenarios are routed to a manual broker review.
02
We review your current rate
Secure Finance compares your current rate against available options and assesses whether there may be a meaningful saving.
03
We identify the right pathway
If the numbers stack up, Secure Finance may discuss seeking a better rate from your current lender or refinance options with other lenders, drawing on a panel of 80+ lenders.
04
We contact you only when it matters
We aim to contact you when there is a clear savings opportunity worth reviewing — we look for a potential first-year interest saving of at least $2,500 — not for every small rate movement.
05
You decide what happens next
There is no obligation to proceed. Any rate change, renegotiation or refinance depends on your lender, eligibility, fees, valuation and approval requirements.
Any estimated saving is indicative only and subject to your loan details, lender policy, fees, valuation, eligibility, credit assessment and whether a rate change or refinance is completed.
Two pathways
Start the way that suits you.
Pathway A · recommended · ongoing review
Open Banking connection
The most accurate way to have your loan reviewed, and the only pathway that supports ongoing monitoring. You connect through Secure Finance's Frollo Open Banking journey: choose your bank, verify yourself directly with them, select the loan accounts to share, and confirm consent.
- Secure, consent-based Open Banking (CDR) data sharing — review only, no ability to transact
- You are never asked for your online banking password
- You choose the sharing period and can revoke consent at any time
Pathway B · manual · initial review
Manual loan check
Answer a few questions about your current loan — lender, balance, rate, loan type and property details. Secure Finance runs an initial review and contacts you only if a meaningful saving may be available.
- About two minutes to complete
- Optional statement upload for better accuracy
- Switch to Open Banking any time for a more accurate, ongoing review
FAQ
Frequently asked questions
What is Rate Monitor by Secure Finance?
Rate Monitor is a free home loan rate monitoring and review service from Secure Finance. It helps you check whether your current home loan rate could be improved and whether there may be a meaningful saving available.
Is Rate Monitor only about refinancing?
No. Refinancing is one possible outcome, but it is not the only one. Secure Finance may also review whether your current lender could offer a better rate, depending on your circumstances and the information available.
Is Rate Monitor a separate company?
No. Rate Monitor is a service provided by Secure Finance, an Australian mortgage broking business (Secure Finance Services Pty Ltd, ACL 465059).
What does the $2,500 saving benchmark mean?
It means we look for opportunities where your potential first-year interest saving may be at least $2,500. This could come from a better rate with your current lender or refinancing to another lender. It is an estimate and is not guaranteed.
Is the saving guaranteed?
No. Any saving estimate depends on your loan details, lender policy, fees, valuation, eligibility, credit assessment and whether a rate change or refinance is completed.
Do I have to proceed with anything?
No. There is no obligation to proceed. If a saving opportunity is identified, Secure Finance will discuss it with you and you decide what happens next.
Do I have to connect through Open Banking?
No. You can provide your loan details manually for an initial review. Open Banking may help us review and monitor your loan more accurately on an ongoing basis.
Who provides the Open Banking connection?
Secure Finance uses Frollo's Open Banking/CDR service. Frollo is an accredited data recipient under Australia's Consumer Data Right, and data sharing is secure and consent-based.
Do I share my bank password?
No. The Open Banking process never asks you to provide your online banking password to Secure Finance.
Will I be contacted constantly?
No. The service is designed to contact you when there is a meaningful rate review or savings opportunity, not every time there is a small rate movement.
Can Rate Monitor support investment or SMSF loans?
Yes. Rate Monitor can support owner-occupied, investment, SMSF and other loan scenarios, although more complex loan types may require manual broker review.
What happens if I use the manual form?
Your details are sent to Secure Finance for an initial review of your current rate and potential savings. If the numbers suggest your loan is worth reviewing, Secure Finance will contact you.
Ready when you are
Set up free monitoring in minutes.
We contact you when the numbers suggest you could save at least $2,500 in the first year — through your current lender or a refinance.