Monitor your home loan rate and know when you could save.
Rate Monitor by Secure Finance is a free service that checks whether your current rate could be improved. We contact you when we identify a meaningful saving opportunity — whether that's a better rate with your current lender or a refinance.
A Secure Finance service using Open Banking technology through Frollo.
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Your lender may not automatically move you to the best available rate.
Over time, your home loan can drift away from competitive market rates. Rate Monitor helps you keep watch without spending hours comparing lenders yourself — and shows you if you may be paying too much.
Real data, not guesswork
Open Banking lets us review your loan using real data — you never share your banking password with Secure Finance.
A meaningful benchmark
We look for review opportunities where the potential first-year interest saving may be at least $2,500 — from a better rate with your current lender or a refinance to another lender.
No noise, no spam
We aim to contact you when there is a clear savings opportunity worth reviewing — not for every small rate movement.
Renegotiate or refinance — we help find the right pathway.
Rate Monitor reviews your current home loan rate and checks whether a better outcome may be available. Depending on your situation, that may mean seeking a better rate from your current lender or reviewing refinance options with other lenders. You stay in control, and there is no obligation to proceed.
Better rate, same lender
Sometimes the simplest win: Secure Finance can help you seek a sharper rate from your current lender — no switching, no new loan paperwork, no settlement process.
Refinance to another lender
When the market has moved further than your lender will, we compare refinance options across a panel of 80+ lenders and explain the numbers before you decide anything.
Choose how you share your loan details.
Connect with Open Banking
Securely connect your loan through Secure Finance's Frollo Open Banking service — secure, consent-based CDR data sharing that supports an accurate, ongoing review.
- Real loan data — no paperwork, no typos
- You choose what to share and the sharing period, and can revoke consent at any time
- You are never asked for your online banking password
- Ongoing monitoring without lifting a finger
Check manually
Not ready to connect? Answer a few quick questions and Secure Finance will run an initial review of your rate and potential savings.
- Simple form — takes about two minutes
- Covers owner-occupied, investment, fixed, split & SMSF loans
- Optional statement upload for a more accurate review
Rate Monitor can help review a wide range of home loan and investment loan scenarios. Some loan types may require a manual broker review before we can confirm whether a saving may be available.
Five steps. You stay in control the whole way.
Secure loan data connection through Open Banking
Rate Monitor uses Secure Finance's Frollo Open Banking service to help review your home loan using real loan information — without asking you to upload paperwork or provide your banking password. Frollo is an accredited data recipient under Australia's government-regulated Consumer Data Right (CDR).
Calculate your potential saving in 30 seconds.
Use the Rate Savings Calculator to see how your current rate compares — and whether your estimated first-year saving may sit above the Rate Monitor review benchmark.
Rate Savings Calculator
Compare your current rate with a possible better rate and estimate your monthly, annual and first-year difference.
Calculate your savings → All toolsCalculators hub
Loan repayments, extra repayments, offset savings and fixed-rate expiry impact — free, fast and no sign-up.
Browse all calculators →The team behind Rate Monitor has been doing this since 2014.
"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 · ★★★★★
Straight answers before you start.
Is Rate Monitor only about refinancing?
What does the $2,500 saving benchmark mean?
Is the saving guaranteed?
Do I share my bank password?
Is Rate Monitor a separate company?
Can Rate Monitor support investment or SMSF loans?
Stop wondering if your home loan rate is too high.
Set up free monitoring in minutes. We'll contact you when the numbers suggest you could save at least $2,500 in the first year — through your current lender or a refinance.