Refer a Friend – $300 Gift Card
Terms & Conditions

1. Promotion Period

The Orchard Mortgage Brokers Refer a Friend promotion commences on 15 September 2026 and closes at 11:59pm on 15 December 2026 (the Promotion Period).

To be eligible for the $300 gift card, the referral must be received by Orchard Mortgage Brokers during the Promotion Period.

A qualifying loan resulting from an eligible referral may settle after the Promotion Period, provided that it successfully settles within 90 days of the applicable Referral Date and all other eligibility requirements in these Terms & Conditions are satisfied.

2. The Offer

Eligible referrers may receive a $300 gift card when they refer a new client to Orchard Mortgage Brokers and that referral results in a new loan arranged through Orchard Mortgage Brokers that successfully settles.

To qualify for the reward:

• the referral must be received during the Promotion Period;
• the referred person must be a new connection to Orchard Mortgage Brokers;
• the referred person must obtain a new loan through Orchard Mortgage Brokers with a minimum loan drawdown of $200,000; and
• the new loan must successfully settle within 90 days of the Referral Date, as defined below.

The $300 gift card is subject to these Terms & Conditions and will be provided once Orchard Mortgage Brokers has confirmed that all eligibility requirements have been satisfied.

3. Who Can Make a Referral

The campaign is available to eligible clients and other individuals approved by Orchard Mortgage Brokers to participate in the Refer a Friend campaign.

The campaign does not apply to existing referral partners or referrals made under an existing referral partner arrangement.

Orchard Mortgage Brokers reserves the right to determine whether a referrer is eligible to participate in the campaign.

4. How to Make a Referral

A referral may be made in either of the following ways.

Option 1 – Using the “Refer a Friend” Button

The referrer may click the “Refer a Friend” button contained in an Orchard Mortgage Brokers campaign email and complete the referral form.

The referrer will be asked to provide:

• their own contact details; and
• the contact details of the person they wish to refer.

By submitting the referral form, the referrer confirms that they have obtained the referred person's consent for their details to be provided to Orchard Mortgage Brokers and for Orchard Mortgage Brokers to contact them regarding their potential lending requirements.

A referral is considered received when the referral form has been successfully submitted to Orchard Mortgage Brokers.

Option 2 – Providing Orchard Mortgage Brokers' Details Directly

The referrer may instead provide the prospective client with Orchard Mortgage Brokers' contact details and ask them to contact Orchard Mortgage Brokers directly.

Where the referred person contacts Orchard Mortgage Brokers directly, they must identify the person who referred them during their initial contact with Orchard Mortgage Brokers.

The referred person must identify their referrer before commencing a lending application. Orchard Mortgage Brokers may require the referred person to confirm the identity of their referrer before the referral is recorded as eligible.

If the referred person does not identify their referrer during their initial contact, the referral may not qualify for the $300 gift card.

5. Referral Date

For the purposes of these Terms & Conditions, the “Referral Date” means:

• the date on which the referral form is successfully submitted through the “Refer a Friend” button; or
• where the referred person contacts Orchard Mortgage Brokers directly, the date of their initial contact with Orchard Mortgage Brokers during which they identify their referrer.

The Referral Date must fall within the Promotion Period.

The Referral Date is important because the Qualifying Loan must successfully settle within 90 days of the Referral Date.

6. New Connection Requirement

The referred person must be a new connection to Orchard Mortgage Brokers at the time the referral is made.

A person will not be considered a new connection if, before the Referral Date, they:

• have previously contacted Orchard Mortgage Brokers regarding their lending requirements;
• have submitted an enquiry or application to Orchard Mortgage Brokers;
• are an existing or active lead or prospect known to Orchard Mortgage Brokers;
• have already commenced discussions with Orchard Mortgage Brokers regarding lending; or
• have otherwise established a connection with Orchard Mortgage Brokers in relation to lending services.

Orchard Mortgage Brokers' records may be used to determine whether a referred person is a new connection.

7. Existing Referral Partners

Referrals associated with an existing referral partner of Orchard Mortgage Brokers are excluded from this campaign.

This includes referrals that are made as part of, or in connection with, an existing referral partner relationship or arrangement.

Orchard Mortgage Brokers reserves the right to determine whether a referral falls within an existing referral partner arrangement.

8. Qualifying Loan

A “Qualifying Loan” means a new loan arranged through Orchard Mortgage Brokers with a minimum loan drawdown of $200,000 that successfully settles within 90 days of the Referral Date.

The $200,000 minimum refers to the amount actually drawn down at settlement, rather than the value of any property, asset or security associated with the loan.

Where a referred person obtains more than one new loan through Orchard Mortgage Brokers, Orchard Mortgage Brokers will determine which loan, if any, qualifies for the purposes of the campaign.

9. Successful Settlement

The referral reward is only earned if the Qualifying Loan successfully settles within 90 days of the Referral Date.

A loan that is approved but does not settle will not qualify for the reward.

Similarly, a loan application that is withdrawn, cancelled, declined, does not proceed, or otherwise does not successfully settle will not qualify.

10. Payment of the $300 Gift Card

Following successful settlement of a Qualifying Loan, Orchard Mortgage Brokers will verify that all campaign requirements have been met.

Once eligibility has been confirmed, Orchard Mortgage Brokers will provide the eligible referrer with a $300 gift card.

The gift card may take a reasonable period following settlement to arrange and deliver.

The gift card is not transferable for cash unless Orchard Mortgage Brokers determines otherwise.

11. No Loan Progress or Application Information

The referrer will not be provided with information regarding the progress or status of the referred person's loan application.

This includes, but is not limited to:

• whether an application has been submitted;
• whether finance has been approved or declined;
• the lender being considered;
• the loan amount;
• property or security details;
• the progress of the application;
• settlement arrangements; or
• any other personal, financial or lending information relating to the referred person.

This information is confidential and may only be disclosed to the referred person or other parties authorised to receive it.

Orchard Mortgage Brokers may, at its discretion, confirm to the referrer that a qualifying referral has successfully settled and that the $300 gift card is being provided.

No further information about the referred person's lending circumstances will be disclosed.

12. No Guarantee of Finance

Making a referral does not guarantee that the referred person will be approved for finance or that a loan will settle.

All lending is subject to the relevant lender's assessment and approval criteria and Orchard Mortgage Brokers' normal lending processes.

The referrer has no influence over the assessment, approval or outcome of the referred person's application.

13. Referral Attribution

The $300 gift card will only be payable where Orchard Mortgage Brokers can reasonably verify and attribute the referral to the referrer.

Where a referred person has been referred by more than one person, Orchard Mortgage Brokers will determine, acting reasonably and at its discretion, which referral was received first and/or is the valid referral for the purposes of the campaign.

Orchard Mortgage Brokers' records of when a referral was received and when the referred person first made contact may be used when determining eligibility.

14. Multiple Referrals

An eligible referrer may make multiple referrals during the Promotion Period.

Each referral must independently satisfy these Terms & Conditions.

A separate $300 gift card may be provided for each Qualifying Loan that successfully settles, subject to these Terms & Conditions.

15. Privacy and Consent

Where the referrer submits the referred person's personal information through the “Refer a Friend” form, the referrer confirms that they have obtained the referred person's consent for their details to be provided to Orchard Mortgage Brokers and for Orchard Mortgage Brokers to contact them regarding their potential lending requirements.

The referrer should only provide another person's personal information where they have the appropriate consent to do so.

Where the referrer instead provides Orchard Mortgage Brokers' contact details directly to the prospective client, the prospective client may contact Orchard Mortgage Brokers themselves and must identify their referrer during their initial contact.

Personal information collected in connection with the campaign will be handled in accordance with Orchard Mortgage Brokers' privacy policy and applicable privacy laws.

16. Exclusions

A referral will not qualify for the $300 gift card where:

• the referral is received outside the Promotion Period;
• the referred person has already contacted Orchard Mortgage Brokers before the referral was made;
• the referred person is already an active lead or prospect known to Orchard Mortgage Brokers;
• the referred person has already commenced an application or lending discussions with Orchard Mortgage Brokers;
• the referral is associated with an existing referral partner or referral partner arrangement;
• the referred person does not identify the referrer during their initial direct contact with Orchard Mortgage Brokers;
• the new loan has a loan drawdown of less than $200,000;
• the loan does not successfully settle within 90 days of the Referral Date;
• the loan application is withdrawn, cancelled, declined or otherwise does not settle;
• the referral cannot reasonably be verified or attributed to the referrer; or
• Orchard Mortgage Brokers reasonably determines that the referral has been made for the purpose of circumventing these Terms & Conditions.

17. Changes or Withdrawal of the Campaign

Orchard Mortgage Brokers reserves the right to amend, suspend or withdraw the Refer a Friend campaign at any time.

Any referral received during the Promotion Period before the campaign is amended or withdrawn will be considered in accordance with the Terms & Conditions applicable at the time the referral was received, subject to Orchard Mortgage Brokers' rights under these Terms & Conditions.

18. Discretion

Orchard Mortgage Brokers reserves the right to determine whether a referral and/or Qualifying Loan satisfies these Terms & Conditions and whether a gift card is payable.

Orchard Mortgage Brokers may request reasonable information or confirmation to verify eligibility.

Orchard Mortgage Brokers' decision regarding eligibility will be final, subject to any rights that cannot legally be excluded.

19. Acceptance of Terms

By participating in the Refer a Friend campaign, the referrer acknowledges that they have read, understood and agreed to these Terms & Conditions.