With Financial Passport, Finance Hub can monitor your home loan rate in real time and negotiate a better deal on your behalf — without a single phone call, email or bank statement from you.
Financial Passport is a secure digital document that gives your broker a live, consolidated view of your finances — powered by Open Banking (Australia's Consumer Data Right legislation). Think of it as your bank sending your financial details directly to us, through a government-regulated channel you control.
It means we can see your current interest rate, loan balance, and account activity at any time — so when a better deal appears, we act immediately, without waiting for you to call us.
Finance Hub sends you a secure invite through our CRM. You have 14 days to complete setup.
Frollo is an Australian Government Accredited Data Recipient. You link the bank accounts you choose to share — no banking password ever required.
Within minutes, your financial data flows securely into our system. We can now see your loan details live.
Every 6 months (and whenever market conditions change), we review your rate and proactively act on your behalf.
🇦🇺 Regulated by Australian Government — The Consumer Data Right (CDR) is overseen by the ACCC and the Office of the Australian Information Commissioner (OAIC). Your data rights are legally protected.
With live access to your loan data through Financial Passport, here's exactly what Finance Hub does on your behalf — every 6 months, or whenever the market moves.
⏰ When does a review trigger?
Reviews happen on a regular 6-month cycle. We also monitor proactively when the RBA moves the cash rate, when a major lender signals an aggressive discount campaign, or when fixed rate offers significantly shift. You'll hear from us only when there's something worth acting on.
Most people assume the only way to get a better rate is to refinance. Not with Finance Hub. Our Financial Passport monitoring service is built around a negotiate-first philosophy — we use competing market offers to pressure your existing lender into action before you ever need to move a loan.
Refinancing carries real costs — discharge fees, valuation fees, time, effort. We only recommend it when the long-term savings clearly justify those costs. Your financial wellbeing always comes first.
We bring a competitive offer to your lender. They reduce your rate to a level where refinancing doesn't justify the cost or effort. You stay put — but with a better deal.
You stay. Rate improves. No disruption.The competing offer is better, but after weighing up refinancing costs, the net benefit is minimal. We advise you to hold — and revisit next cycle.
You stay. We monitor. Next review in 6 months.The savings over 2–3 years clearly outweigh costs. Your lender won't match. We present you with the full picture — and help you move smoothly if you choose to.
Your choice. We execute. You save.We only access information directly relevant to reviewing and improving your home loan. Nothing more.
Financial Passport uses the same government-regulated infrastructure trusted by Australia's largest banks. You are always in full control.
Your online banking password is never shared. Open Banking uses a separate, one-time authentication channel provided by your bank — completely independent of your regular login.
The Consumer Data Right is co-regulated by the ACCC and the Office of the Australian Information Commissioner. Your data rights are legally enforced at the federal level.
You can revoke data-sharing consent instantly through your Frollo account or directly via your bank's online portal. Consent is also automatically limited to a maximum of 12 months.
All data travels through encrypted, secure APIs — never stored in plain text or accessible to unauthorised parties. Frollo is an Australian Government Accredited Data Recipient.
You choose exactly which bank accounts to share. Joint accounts, offset accounts, or credit facilities can be included or excluded — entirely at your discretion.
Finance Hub is authorised as your Trusted Adviser under CDR rules. This means your data can only be used for the specific purpose of improving your home loan — nothing else.
This is how our Financial Passport monitoring service works in practice — a continuous cycle designed to keep your home loan competitive, year after year.
🔄 The cycle also triggers automatically when:
From 1 May 2026, existing Finance Hub clients receive personal invitations. Not a client yet? Secure your spot on the waiting list today.
If Finance Hub arranged your home loan, you'll receive a personal invitation email from us from 1 May 2026. No action needed right now — we'll come to you.
Invitations sent from 1 May 2026. Questions? Call 1300 FINHUB (1300 346 482)
Financial Passport is currently available to existing Finance Hub clients only. Register your interest now and we'll notify you when access opens.
💡 New to Finance Hub? Book a complimentary home loan health check with one of our brokers. We'll review your current loan and let you know if Financial Passport monitoring would benefit you.
Book a Complimentary Review →Financial Passport monitoring is currently by invitation for existing clients. Register below and we'll be in touch when public access opens.
We'll contact you as soon as access opens to the public. No commitment required.
Finance Hub and Networks Australian Credit Licence 573164. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. By submitting this form, you consent to Finance Hub contacting you about the Financial Passport program. You can unsubscribe at any time.
Whether you're an existing Finance Hub client ready to register, or new to us and curious to learn more — our team is here to help. No pressure. No jargon. Just honest advice.
Finance Hub and Networks Australian Credit Licence 573164. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Subject to lenders' credit criteria, fees and charges will apply.
