🚀 LAUNCHING 1 MAY 2026
Financial Passport
Your Mortgage Health Monitor
Stop paying more than you should. We'll watch your rate and act when savings are found.
Stop paying more than you should. We'll watch your rate and act when savings are found.
Banks reward new customers with better rates while quietly charging you more. Here's what's really happening.
Banks charge existing customers higher rates than new ones. The longer you stay, the more you pay — it's the dirty secret of Australian banking.
The average Australian borrower is paying 0.5–1.0% more than the best available rate. That's thousands of dollars a year going straight to your bank's profits.
Banks don't call existing customers when they have better deals for new ones. Why would they? They're making more money from your silence.
Your broker wants to help — but they can't if they don't know your current rate has drifted up. Without data, they're guessing when to call.
On a $600,000 loan, just 0.5% higher = $3,000 per year going straight to your bank instead of your family.
No more phone tag. No more chasing. We do the watching — you do the saving.
"No more phone tag. No more chasing. We do the watching — you do the saving."
An Open Banking-powered tool that lets your broker watch your mortgage health — so you don't have to.
Your data flows through accredited, encrypted channels regulated by the Australian Government. No passwords shared. No risk to your accounts.
Three steps. Ten minutes. Then we handle the rest.
Sign up through our secure portal. Select your bank and authorise sharing your mortgage data. No passwords shared — uses government-regulated Open Banking.
Our system tracks your interest rate against the market. When we spot you're paying too much, your dedicated broker is alerted automatically.
Your broker contacts you with options already researched. You decide — no obligation, no pressure. Just savings when they're available.
Customers who share their data get reviewed first. No more waiting. No more guessing.
Register now and be among the first to have your rate reviewed when we launch on 1 May 2026.
Two tracks — one for existing customers, one for everyone else.
Open Banking is part of Australia's Consumer Data Right (CDR) — a government initiative that gives YOU control over your banking data, not the banks.
Open Banking was introduced by the Australian Government in 2020. It's regulated by the ACCC (Australian Competition and Consumer Commission) and the OAIC (Office of the Australian Information Commissioner).
Before CDR, banks controlled your data. Now, you decide who can access it and for what purpose. It's your data — you should benefit from it, not just your bank.
Data is encrypted end-to-end using the same security standards as banking. Only government-accredited companies can receive your data — and they're regularly audited.
You log in directly with your bank — we never see or store your banking password. It works the same way as paying with PayPal or signing in with Google — secure redirects, no credential sharing.
Open Banking is read-only. Nobody can move money, make payments, or change anything in your account. We can only view the specific data you've approved — nothing more.
Changed your mind? Withdraw consent in seconds — either through our portal or directly through your bank's app/website. Data sharing stops immediately. No penalties, no questions.
🛡️ Used by millions of Australians
Open Banking is trusted by millions of Australians and backed by all major banks including CBA, ANZ, Westpac, and NAB. It's the same technology used by leading financial apps across the country.
Open Banking is government-regulated. Your data is protected by law.
Open Banking is regulated by the Australian Government through the ACCC and OAIC under the Consumer Data Right (CDR).
Your bank never shares your login credentials. You authenticate directly with your bank through their own secure system.
All data is encrypted in transit and at rest. Accredited data recipients must meet strict security standards set by the government.
You choose exactly what mortgage data to share. Nothing more, nothing less. Full transparency.
Changed your mind? Withdraw consent instantly through the portal or directly with your bank. No questions asked.
Data recipients must be accredited and audited regularly, meeting strict security and privacy standards.
Protected by Australian law. Regulated by the ACCC & OAIC. You're in safe hands.
Don't just take our word for it. Here are the official government and industry sources about Open Banking and your data rights.
The official Australian Government CDR website — learn how your data rights work and what's protected.
cdr.gov.au →
The Australian Competition and Consumer Commission oversees CDR rules and accreditation.
accc.gov.au →
The Office of the Australian Information Commissioner handles privacy regulations for CDR data.
oaic.gov.au →
Frollo is the accredited data recipient that powers the secure data connection between your bank and your broker.
frollo.com.au →
Connective is one of Australia's largest mortgage broker aggregators and partners with Frollo to deliver Open Banking services.
connective.com.au →
Official government media release about Open Banking and the Consumer Data Right initiative.
treasury.gov.au →
Everything you need to know about Financial Passport.
Here's what Financial Passport could mean for your mortgage.
Savings vary based on individual circumstances, loan size, and market conditions.
Secure your spot before the queue fills up. It takes less than 2 minutes.
We'll be in touch before our May 1st launch with setup instructions. You'll be among the first to have your rate reviewed.
Book a Rate Check-Up NowWant to skip the queue? Book a free refinance review and become a Finance Hub customer today — you'll get immediate access when we launch.
Book a Free Refinance ReviewRegister now before the queue fills up. Find out first, decide later. It's free, it's secure, and it could save you thousands.
Or call us: 0480 03 03 03 (0480 03 03 03)