Introduce a friend, colleague or family member and receive a $250 gift card.
It only takes 3 simple steps.
You realise a friend or family member could benefit from our help with a new loan or to refinance their existing one.
You ask for their permission and enter their details for us to reach out.
Once the loan is settled, we'll send you a $250 gift card.
Terms & conditions apply, see below for details.
Eligibility for the $250 gift card is based on this criteria
A successful referral is achieved once the loan has settled with the lender.
Minimum loan size - $500,000
Loan must be settled within 12 months from the date referral was received
This referral program begins on 1st June 2025.
$250 you receive will be in the form of a gift card only and will be sent digitally via your choice of sms or e-mail within 3 business days after home loan has settled.
FUNDFIN
5-Year Anniversary Referral Campaign
Terms
and Conditions
To celebrate five years in business, Fundfin
is running a referral campaign that rewards clients for introducing new
business to us. Clients can earn a $250 gift card for every eligible referral
that results in a settlement over $250,000, and go into the draw to win a
$1,000 travel voucher of their choice. Full details, definitions and conditions
of entry are set out below.
Definitions
•
“Campaign”
means the Fundfin 5-Year Anniversary Referral Campaign described in these Terms
and Conditions.
•
“Promoter”
means Fundfin, ABN 33 673 272 378, Credit Representative Number 527192, of 46
Days Road, Grange QLD 4051.
•
“Referral”
means the introduction of a new client, or an existing client’s own new or
additional lending or eligible refinance (see Self-Referrals below), to the
Promoter via the referral link at fundfin.com.au/refer-a-friend/ or by direct
introduction naming the referring client.
•
“Eligible
Referral” means a Referral that results in a Settlement, as defined below,
within the Campaign Period.
•
“Settlement”
means any loan that (a) settles between the Campaign start date and 31 August
2026, or (b) is formally approved by 31 August 2026 and is due to settle within
60 days of that date. This includes refinances, top-ups, purchases and
construction loans. Pre-approvals do not constitute a Settlement.
•
“Gift Card”
means the $250 gift card awarded for each Eligible Referral that results in a
Settlement of a loan amount over $250,000.
•
“Voucher”
means the $1,000 travel voucher offered as the major prize, redeemable with a
travel provider of the winner’s choice (for example Qantas, Virgin Australia or
Flight Centre), subject to that provider’s own terms, conditions and
availability.
•
“Entry” means
one entry into the Voucher prize draw, awarded per Eligible Referral in
accordance with these Terms and Conditions.
Campaign
Period
The Campaign runs from 2 July 2026 until
11:59pm (AEST) on 31 August 2026 (“Campaign Period”). The prize draw will take
place on 3 September 2026.
How to
Enter
•
Refer a
friend, family member or colleague to Fundfin using the referral link at
fundfin.com.au/refer-a-friend/, or by introducing them directly and having them
mention your name when they enquire.
•
There is no
limit to the number of people a client may refer. Clients may enter as many
times as they like, with one Entry awarded per customer referred.
•
Existing
clients with a current approval in place with Fundfin as at the start of the
Campaign Period are automatically entered.
•
A Referral
only becomes an Eligible Referral, and only then earns a Gift Card and an
Entry, once it results in a Settlement as defined above. Enquiries,
applications and pre-approvals that do not proceed to Settlement within the
Campaign Period do not qualify.
Self-Referrals
•
Existing
clients may refer themselves where the enquiry relates to new or additional
lending.
•
Existing
clients may also refer themselves for a refinance, provided they have not had a
rate review with Fundfin in the previous 18 months.
•
One Entry
applies per customer for a self-referral, regardless of the number of loans or
facilities involved.
Prizes
Gift Card
A $250 gift card will be awarded for every
Eligible Referral that results in a Settlement with a loan amount over
$250,000. There is no cap on the number of Gift Cards a single client may earn
during the Campaign Period, provided each is linked to a separate, distinct
Eligible Referral. Gift Cards will be issued within 30 days of the relevant
Settlement date.
Travel Voucher Draw
Each Eligible Referral also earns one Entry
into a random draw for a $1,000 travel voucher, redeemable with the winner’s
choice of travel provider (for example Qantas, Virgin Australia or Flight
Centre). This is a game of chance. There is one Voucher available to be won.
Prize Draw
and Notification
•
The draw will
be conducted at the Promoter’s office at 46 Days Road, Grange QLD 4051 on 3
September 2026.
•
The winner
will be selected at random from all Entries received during the Campaign Period
and notified by email and/or phone by 10 September 2026.
•
If the prize
is not claimed within 30 days of notification, a redraw will occur and the new
winner notified by email and/or phone.
•
The Voucher
will be issued electronically and cannot be exchanged, transferred or redeemed
for cash.
•
Redemption of
the Voucher is subject to the relevant travel provider’s own booking terms,
conditions and availability, which are outside the Promoter’s control.
•
Where the
advertised prize is unavailable for any reason, the Promoter reserves the right
to substitute it with a prize of equal or greater value.
Employee
Eligibility
Employees of Fundfin and their immediate
family members are eligible to receive the Gift Card for Eligible Referrals
they generate, but are not eligible to receive an Entry into, or to win, the
travel Voucher draw.
Eligibility
The Campaign is open to Australian residents
located in NSW, VIC, QLD, SA, WA, NT, TAS and ACT. Entries will be confirmed
once Fundfin receives and validates the relevant Referral and, where
applicable, once the associated Settlement has occurred.
Referral
Guidelines
•
Only refer
individuals who have provided their consent to be contacted by Fundfin.
•
Do not engage
in mass messaging, spam, or the use of automated systems or bots to distribute
the referral link.
•
The referral
link must not be shared on public or commercial forums such as coupon websites,
blogs, Reddit or Wikipedia.
•
Paid
advertising of the referral link is strictly prohibited.
Updates to
These Terms
Fundfin reserves the right to update these
Terms and Conditions at any time without prior notice. Updates will be posted
at fundfin.com.au and take effect immediately upon posting. Continued
participation in the Campaign following any such update constitutes acceptance
of the updated Terms and Conditions.
Fundfin | ABN 33 673 272 378 | Credit Representative
527192 | 46 Days Road, Grange QLD 4051 | fundfin.com.au
AB
Alexander Bishop
James always provides fantastic service and great advice, can’t thank him enough!
MW
Maria Wolfenden
James took away all the stress and hassle of finding an easy to manage loan with a straight forward processs and clear directives. As it's turned out, I've learnt that online banks usually have the best deals ... and that's where I'm set up. Feeling settled in my new home and a loan that I can easily manage from my phone.
HH
Harry Hills
This is now our 7th loan we have gone through with FundFin inc vehicles, investment properties and developments - every time its the easiest part of the project working with FundFin - recommend to your friends and family the great team at FundFin
An offset account is a transactional account that sits against the loan. Any funds held in this account go to offsetting interest payable on the loan. For example, if your loan balance was $100,000 and you held $90,000 in your offset account, you would only be paying interest on $10,000. While the principal reduction repayments would remain the same, you would pay less interest over the life of the loan, thereby reducing the overall loan term saving you thousands or more! As with any everyday transactional account the funds are accessible at any time.
Generally if you are on a fixed rate loan you won't have access to an offset account however some lenders offer niche products that allow you to offset all or part of the fixed loan.
Redraw is where you make additional repayments above the minimum required as part of your loan contract. Some lenders allow you to draw on these additional repayments as required (sometimes for a fee) however this may impact on your loan balance and the interest payable.
Mortgage brokers operate independently of any financial institution. We're not locked into any relationships with specific lenders and want you to have the most competitive option based on your own unique set of circumstances. There is no 'one fit' solution for any client and we aren't limited to one lender's suite of products.
Best of all - there is no cost to you to use our service!
Yes you can. It comes down to the purpose and use of funds, as dictated by the appropriate lending guidelines.
For example, residential loan cannot be used for business purposes and vice-versa. We can assist in determining what loan is most suitable for your circumstances.
Not necessarily! Lenders Mortgage Insurance (LMI) is a premium charged by the lender's insurer for customers who need to borrow money above the maximum thresholds set by the insurer. Usually this is for loans above 80% loan to value ratio (LVR). However, some lenders offer LMI waivers for clients with certain professional qualifications up to 95% LVR, and other lenders may offer an alternate interest rate for customers with lower deposit without charging an LMI premium. There are also government backed first home buyer schemes which may allow for a deposit of 5%.
If you have any existing properties, you could also use the equity towards some or all of the deposit, including any associated costs such as stamp duty.
Some lenders also offer family pledge, or guarantor products where you can use the equity in a family member's home to borrow up to 100% of the purchase price plus costs.
Borrowing power is determinant on several factors. These can be a combination of, but are not limited to;
The lender
Your income (including rental income, pensions or super annuities, and government payments)
Your existing liabilities, such as credit cards, personal loans and HECS debts
Your monthly living expenses, fixed and discretionary
Lenders stress test the ability to afford loan repayments by running the loans against a floor rate, which is usually a couple of percentage points above the current market rate. This is to safeguard you in the event that if interest rates were to rise, you could still afford to make your repayments without experiencing significant hardship. Some lenders' floor rates are higher than others, meaning that you may be able to borrow more with Lender A than Lender B.
Existing debts, such as credit cards will also have an impact on how much you can borrow. While a $10,000 credit card might not seem like a lot in the scheme of things, it could be the difference of tens of thousands of additional borrowings on your home loan! This is where we can guide you to find the right options to suit your circumstances.
Absolutely - we can guide you through the entire process, from how much you can borrow, to first home buyers concession eligibility, putting you in touch with conveyancers and much, much more!
Absolutely, however it is important to note about what your goal actually is. For the sake of a few thousand dollars is it worth paying a few basis points more where any cash gain you have made will be eroded by the additional interest you're paying. If you have entered in to a longer loan contract, then you will likely end up paying more interest over the life of the loan, even if your initial rate is lower than what you were on.
Many lenders are offering rebates between $1000 and $4000 and some of these multiply per property refinance. We can discuss these options with you in your initial enquiry.
fundfin. ABN: 33 673 272 378, Fundfin Pty Ltd ABN: 33 673 272 378. Credit Representative #527192 is authorised under Australian Credit Licence #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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