Claim your $450 bonus

Introduce someone to and we'll give you a huge $450 bonus when they settle their loan with us! They will also get $150 off their settlement fee.

You can refer as many people as you like!

How to get your Smart Friends referral code

Once your loan application has been submitted, you will be given access to our online portal onTrack. In onTrack, we will collect some more information from you and you can track your application. When your loan settles, you will be given your referral code in onTrack.

Already migrated to Smart Money?

After settlement of your loan, you will be transferred from onTrack to Smart Money to manage your loan. If you have already migrated to Smart Money, just call us on 13 10 90 and we’ll retrieve your Smart Friends referral code for you.

It's as easy as 1,2,3... makes borrowing simple so you can refinance your mortgage online with confidence.

Go from application to settlement in three easy steps.

Here's how to lock in a super-low-rate home loan, super-fast.



Apply online or on the phone with one of our Australian-based loan specialists.


onTrack to Approved

It is easy for you to track your application to approval, receive your loan documents and set up online services with our award winning onTrack app.


Settle and Save

We do everything required for the loan settlement, so you can start saving money.

Get referral code here:

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 home loan with

  4. *The referral payment is $450 for each new customer referred who settles their first home loan with Note a new home loan customer 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.