How it works
Earn $450 for each home loan
When a home loan you've referred settles, you get $450 straight into your account. There is no limit on how many times you can refer a friend and get rewarded!
Also, your friend who applies and settles a home loan, using your Smart Friends code, gets $150 refund off their settlement fee. All they have to do is call us and quote your code when they make an application.
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 via email or facebook and tell them about our great rates, low fees and speedy, hassle free application process.
Terms & Conditions:
You must be a current loans.com.au customer to be eligible to refer your friends and family.
Your friend must (i) be a new customer of loans.com.au (ii) start an online application and tell a lender your Smart Friends Code (iii) settle a new loan with loans.com.au.
*The referral payment is $450 for each new customer referred and who settles a new loan or loans with loans.com.au. Note a new customer loan application with multiple borrowers and/or multiple loans is eligible for one referral payment.
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.