Financial Wellness

Improving your finances is important to us

Helping you save money is an important part of what we do. That’s why we offer a range of services beyond salary packaging to improve financial wellbeing.

Financial wellness is about an individual’s overall financial health – it’s about the ability to enjoy life and live comfortably, financially cope when unexpected changes occur, and fulfil life dreams… and while salary packaging certainly helps, there’s more to financial wellness. That’s why we’ve partnered with expert providers to deliver our financial wellness program1 to you.

Mortgage Health Check

Whether you’re looking to get into the property market for the first time or searching for a better deal on an existing mortgage, our Mortgage Health Check can help. We’ve partnered with Credo Financial Services and LoanDolphin to provide you with an obligation free, nothing-to-pay mortgage health check.


Credo Financial Services2 – the personal touch

You can, free of charge, meet with a mortgage solutions specialist either over the phone or in person. They’ll step through the options with a view to improving your financial outcomes and mortgage position and the rates you pay. Simply review the information then make a choice – you’re completely in control.

LoanDolphin3 – online and self-serve

Mortgage brokers and direct bank lenders compete to offer the right mortgage product at competitive rates, all facilitated by the LoanDolphin secure website. You can chat to the providers anonymously, look up reviews and ratings and compare offers side by side.

Then choose the solution that is right for them or stay with their current solution. It’s entirely their call, and they can test the rates whenever they want – all at no cost!


We’ve partnered with Wisr, Australia’s only ASX-listed marketplace lender, to offer you access to a tailored program to improve your overall financial wellness and resilience.

  • A 5-minute financial wellness survey with personalised feedback report and tailored information to assist in increasing financial capability
  • WisrCredit making it easy for customers to check and compare their credit score across the major credit reporting agencies, and receive hints and tips to improve their credit score and worthiness
  • A nifty app to round up digital spare change and pay down debt faster
  • A debt consolidation service with low rate personal loans

1 Smartgroup will receive commission payments from Credo Financial Group, LoanDolphin or Wisr Finance, (as the case may be), in respect of any loan transactions that result from the referral. 2 The personal meeting mortgage health check is offered by Credo Financial Group, Australian Credit Licence Number 402515. Any personal information provided to Credo Financial Group as part of the Mortgage Health Check will be held, stored and used in accordance with the Credo Financial Group Privacy Policy‐terms/. 3 The online mortgage health check is offered by LoanDolphin, Australian Credit Licence Number 500703. Any personal information provided to LoanDolphin as part of the Mortgage Health Check will be held, stored and used in accordance with the LoanDolphin Privacy Policy‐policy/. 4 The financial wellness program is offered by Wisr Finance, Australian Credit Licence Number 458572. Any personal information provided to Wisr Finance as part of the financial wellness program will be held, stored and used in accordance with the Wisr Finance Privacy Policy