$1,000 cash reward

How would you like to earn $1,000 for telling your friends, family or workmates about our great rates? Just provide their contact details below, we’ll call them to see if we can help with their home loan and if we can, we’ll give you $1,000 cash to say "thanks!"

First Option home loan packages

Our home loan options offer a choice between low interest rates with Simple Home Loans and nice-to-have extras; like attached 100% offset account, unlimited extra repayments with free redraw and a fee-free Visa card with our Complete Package.


Terms & Conditions

As a referring First Option Member (a “Referrer”) you are subject to First Option’s general Terms and Privacy Policy (both available on our website), as well as a few additional Terms & Conditions specifically for the Member Referral Program:

  • This offer is valid from 1 July, 2021 until 30 June, 2024
  • A Qualified Referral is defined as an approved and funded home loan for an owner occupier or investment property by a person (a "Referred Customer") who applies for a First Option home loan as a direct result of a recommendation by a Referrer.
  • The Referred Customer may be an existing First Option member but the qualifying mortgage must be a new home loan application with a remaining balance of more than $150,000
  • The Referred Customer and the Referrer cannot be the same person (for example, using a different email address).
  • To be successful, details of the Referral must be recorded either in the website form (link here) or by informing our team in writing before the home loan application is submitted for approval. It is not possible to claim a Referral reward after the application submission or possible to retrospectively claim a Referral reward for home loans submitted and approved before the Referrer’s details are provided.
  • As a First Option member you are limited to four Qualified Referrals for the period of the offer. To earn further Referral rewards would require you to hold a Mortgage Brokers licence. The maximum Qualified Referrals earned per calendar year may not be more than AUD$4,000. As a Referrer, you are responsible for any and all tax liability resulting from Referral Rewards.
  • Rewards are payable as an electronic transfer of AUD$1,000 into your nominated First Option bank account. Rewards are payable on successful funding of the Referred home loan, not on approval of the loan application. Rewards will be paid to Referrers within 30 days of funding of the new loan.
  • This Member Referral Program cannot be used for lead generation activities by any business. You must comply with all up-to-date “spam” laws. Any emails you create and distribute must be in a personal manner, bulk email distribution is strongly discouraged. Any distribution of the referral link that could constitute unsolicited commercial email or "spam" under any applicable law or regulation is expressly prohibited and will be grounds for your exclusion from this Member Referral Program.
  • First Option reserves the right to exclude from the Member Referral Program any Referrer and/or Referred Customer who attempts to use the Program in a questionable manner or breaches any of these Terms & Conditions or is in violation of any law, statute or governmental regulation. 
  • First Option reserves the right to cancel our Member Referral Program or to change these Terms & Conditions at any time in its sole discretion. Any Referral rewards will be forfeited at that time.