Smart Friends - rewarding your loyalty

As a customer we’ll reward you with $450 when a new customer you refer to us settles their first home loan.*


How it works

Earn $450 for each new customer

When a new customer you’ve referred settles their first home loan, you get $450 straight into your account. There is no limit on how many friends you can refer and get rewarded when they take their first loan with us.

The friend who applies and settles their home loan using your Smart Friends code also gets a $150 refund off their settlement fee. All they have to do is call us and quote your code when they make an application.

Everybody wins!

Get your Smart Friends referral code

Once your loan application is submitted, you will gain access to our powerful online loan application portal, onTrack. In onTrack you can attach all required loan documents, track the progress of your loan, and on completion you will be provided with your unique Smart Friends referral code.

Already migrated to Online Services?

After settlement of your loan, your onTrack access is no longer required as you will be able to use Online Services, our system which allows you to monitor, make transactions and access any linked accounts in relation to your loan. 

If you have migrated to Online Services, simply call one of our customer service team members who will be happy to assist and retrieve your Smart Friends referral code.

Share your Smart Friends code with friends

Share your referral code with friends and tell them about our great rates, low fees and speedy, hassle free application process.

Terms & Conditions:

  1. You must be a current customer to be eligible to refer your friends and family.

  2. You can share your Smart Friends Code individually with your friends and family. Please note that the Smart Friends Code is not valid if broadcast or published on the internet or in social media.

  3. Your friend must (i) be a new customer of (ii) start an online application and tell a lender your Smart Friends Code (iii) settle a new loan with

  4. *The referral payment is $450 for each new customer referred who settles their first loan with Note a new customer loan application that has multiple borrowers and/or multiple loans is still eligible for only one referral payment.

  5. You will receive a notification when a referral payment is to be made to you. The referral payment will be paid to your loan account.

Customer reviews

Value for money: 4.9/5
Customer service: 4.9/5

Based on 237 reviews.
As rated by our settled customers

Timely responses and excellent service
Excellent, professional and efficient service. I loved the way I was kept informed throughout the process and my queries were answered in a timely manner.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

Tuija A. - Wagin, WA
March 01 2018

Done with ease
User friendly and prompt service. Everything was done with ease.

Value for money: 5/5
Customer service: 5/5
Recommend to a friend?: Yes

Joanne P. - Sebastopol, VIC
February 09 2018

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