Autumn Home Loan Refinance Rebate Campaign – Terms & Conditions

Offer Summary

Eligible clients who apply to refinance a home loan during the Offer Period which leads to a settled loan may receive a cash rebate based on the settled loan amount (net of any funds held in offset or redraw balances), subject to these Terms & Conditions, as follows:

• $150,000 – $249,999: $350 rebate
• $250,000 – $499,999: $700 rebate
• $500,000 and above: $1,000 rebate

Loans under $150,000 are not eligible.

1. Offer Period

i. This offer applies to eligible home loan applications submitted between 22/04/2026 and 31/05/2026 (Offer Period).
ii. The offer may be extended, varied, or withdrawn at any time at our discretion.

2. Eligibility

i. This offer is available to new and existing clients of Mortgage Navigators within Australia.
ii. To be eligible, the loan must: a. be a new home loan arranged through Mortgage Navigators and settled during the Offer Period (or within a reasonable period thereafter);

b. include a refinance component from an existing loan facility; and
c. have a minimum settled loan amount of $150,000 (net of offset and redraw balances); and
d. not be a refinance of a loan originally arranged and settled by Mortgage Navigators within the previous 18 months unless there is additional new borrowings that meet the eligible loan amounts.

iii. All applicants must meet the lender’s standard credit assessment criteria and responsible lending requirements.

3. Qualifying Loan Amount

i. The rebate is calculated based on the total settled loan amount, reduced by: a. any funds held in offset accounts linked to the loan(s) being refinanced; and

b. any available redraw funds on those loan(s), as at the time within 10 days of settlement.

ii. Only one rebate is payable per eligible loan application.

4. Rebate Payment

i. The applicable rebate will be paid within 60 days of loan settlement, subject to all eligibility criteria being met.
ii. Payment will be made to the borrower’s nominated Australian bank account or applied to the loan account.

5. Conditions of Offer

i. This offer is not transferable, exchangeable, or redeemable for another benefit.
ii. This offer cannot be combined with any other rebate or promotional offer unless stated otherwise.
iii. Eligibility is determined by Mortgage Navigators, acting reasonably.

6. Credit Approval

i. All applications are subject to approval by the relevant lender.
ii. Approval is not guaranteed and standard lending criteria, terms, fees, and charges apply.

7. Variation and Withdrawal

i. We reserve the right to amend, suspend, or terminate this offer at any time, subject to applicable laws.
ii. Changes will not affect loans that have already settled and qualified under these Terms & Conditions.

8. General

i. This offer is governed by the laws of New South Wales, Australia.
ii. To the extent permitted by law, Mortgage Navigators is not liable for any loss arising in connection with this offer.

Credit & Financial Services Disclosure Mortgage Navigators, a division of Sydney Mortgage Corporation Pty Ltd (ABN 28 091 747 803), is a Credit Representative (CRN 400568) of an Australian Credit Licensee (ACL 390162). General information only. Credit subject to approval, suitability assessment, and terms and conditions. Fees may apply