What it is

The Opportunities page surfaces specific, dollar-quantified actions you could take to improve your financial position — refinancing a high-rate mortgage, switching from a higher-fee to lower-fee fund, claiming a missed deduction, consolidating high-interest debt, and so on.

Each opportunity card shows:

• The category (debt, tax, spending, retirement, contradiction)
• The headline issue (e.g. "Mortgage rate above 5.85%")
• The estimated annual saving in dollars
• An action button to either ask Frank to dig deeper or jump to the relevant page

How they're generated

Two layers feed the list:

1. Rule engine — fast, deterministic checks that scan your data for known patterns (mortgage above the RBA-derived benchmark for the loan type, multiple debts with a wide rate spread, redundant subscriptions, super contribution gaps, etc.)
2. AI enrichment — when you hit "Refresh insights", Frank reviews the rule output and adds context, prioritisation, and a short summary

Where to find it

• A pill near the top of your dashboard shows the count and total annual saving — click it to open the full Opportunities page
• The dashboard pill updates whenever the underlying data changes (after you sell an asset, edit a liability, etc.)

Refinance benchmarks

Mortgage refinance opportunities use a benchmark tuned to the loan type:

• Owner-occupied + P&I → cash rate + 1.50%
• Owner-occupied + interest-only → cash rate + 1.85%
• Investment + P&I → cash rate + 1.85%
• Investment + interest-only → cash rate + 2.10%

The cash rate is pulled live from the RBA. Make sure each of your mortgages has the right Loan Purpose and Repayment Type set so the benchmark is correct.

Acting on an opportunity

Click Ask Frank about refinancing (or whatever the action button says) to open Frank with a pre-filled prompt that includes the loan details. Frank will work through the costs, break-even, and trade-offs before you commit.

Opportunities are general information only. They use rule-of-thumb thresholds and current market rates as a starting point — not personal financial advice.