Headland Finance August Referral Campaign
Terms and Conditions
1. Promoter
The promoter is Headland Finance Pty Ltd trading as Headland Finance, ABN 39 680 178 401, Credit Representative 562686 of Specialist Finance Group Pty Ltd, Australian Credit Licence 387025 (Headland Finance, we, us or our).
2. Campaign period
The campaign begins at 12:01am AEST on 13 August 2026 and closes at 11:59pm AEST on 31 August 2026 (Campaign Period).
A referral must be received by Headland Finance during the Campaign Period. A referred customer may complete their appointment or settle their loan after the Campaign Period, subject to the timeframes below.
3. Who may participate
The campaign is available to individuals who:
are at least 18 years old;
were an existing or previous Headland Finance client before the referral was made; and
are not an employee, contractor or representative of Headland Finance, SFG or their related entities.
Professional referrers are not eligible unless Headland Finance confirms otherwise in writing.
4. Eligible referred customers
An eligible referred customer must:
be at least 18 years old;
be genuinely introduced to Headland Finance by an eligible referring client;
contact Headland Finance directly, submit their own enquiry and consent to being contacted;
identify the referring client when making their initial enquiry; and
not be an existing Headland Finance client or have an active enquiry, appointment, application or credit proposal already recorded with Headland Finance during the 12 months before the referral.
Headland Finance will not accept a referred person's contact details without that person's knowledge and consent. Referring clients should share Headland Finance's contact details or campaign link and allow the referred person to make contact themselves.
5. $50 appointment reward
The referring client will qualify for a $50 gift card when the eligible referred customer:
completes an initial finance appointment with Mitch Bath from Headland Finance within 60 days after the end of the Campaign Period;
participates genuinely in that appointment for the purpose of discussing their finance position or objectives; and
provides sufficient information for a meaningful initial discussion.
The referred customer does not need to apply for or obtain a loan for the referring client to qualify for this reward. An enquiry, cancelled appointment, missed appointment or appointment that cannot reasonably be completed will not qualify.
6. Additional $250 settlement reward
The referring client will qualify for an additional $250 gift card if the same eligible referred customer:
chooses to proceed with Headland Finance;
obtains an eligible loan through Headland Finance; and
has that loan settle within 12 months after the end of the Campaign Period.
An eligible loan is a new residential home loan, investment property loan or residential refinance arranged by Headland Finance. Personal loans, asset finance, commercial finance, private lending and any other finance not confirmed by Headland Finance as eligible are excluded.
Loan approval and settlement are not guaranteed. No reward is payable merely because an application is submitted or approved.
7. Referral and reward limits
Only one referring client may be recorded for each referred customer.
If more than one person claims the same referral, Headland Finance will use the referrer's name supplied by the referred customer when they first contacted Headland Finance.
A referring client may receive rewards for more than one eligible referred customer during the Campaign Period.
Each eligible referred customer can generate no more than one $50 appointment reward and one $250 settlement reward.
A person cannot refer themselves.
A referring client may receive a maximum of five $50 appointment rewards during the campaign. Headland Finance is not obliged to provide a $50 appointment reward for any additional referrals made by that client.
Referrals cannot be transferred, retrospectively attributed or combined after the referred customer's initial enquiry has been recorded.
8. Gift cards
The eligible referring client may select a preferred available gift card from the Everyday Gifting range. Gift-card availability and individual provider terms may change.
Gift cards will be issued to the referring client's email address held by Headland Finance within 30 days after the relevant qualifying event is verified.
Gift cards are not redeemable for cash, cannot be transferred or substituted at the recipient's request, and are subject to the gift-card provider's terms and conditions.
Headland Finance may substitute a gift card with another gift card of equal value if the advertised card is unavailable.
The referring client is responsible for ensuring Headland Finance holds their correct contact details and for any personal tax consequences arising from a reward.
9. Credit assistance and customer choice
Participation in this campaign does not influence:
whether Headland Finance provides credit assistance;
Headland Finance's assessment of a customer's circumstances or requirements;
the lenders or products considered or recommended;
any lender's credit assessment or approval decision; or
Headland Finance's obligation to act in the referred customer's best interests and comply with applicable credit laws.
The referred customer is under no obligation to apply for a loan or proceed with Headland Finance after the initial appointment.
Referring clients must not provide credit advice, recommend a particular lender or loan, collect financial documents, complete forms or participate in the referred customer's application unless they are themselves an applicant or guarantor.
10. Privacy and marketing consent
Personal information will be handled in accordance with Headland Finance's Privacy Policy.
Information collected for this campaign will be used to administer referrals and rewards and to provide requested finance services. A referred customer will not be added to ongoing electronic marketing merely because they were referred. Any ongoing marketing will be conducted only where Headland Finance has an appropriate basis to do so, and recipients may opt out at any time.
To administer the campaign, Headland Finance may tell the referring client whether the relevant reward milestone has been achieved. Headland Finance will not disclose the referred customer's financial information, application details, lender, loan amount or reasons why a milestone was not achieved without the referred customer's consent.
11. Verification and disqualification
Headland Finance may request information reasonably necessary to verify eligibility. Headland Finance may withhold or cancel a reward where it reasonably determines that:
the referral does not satisfy these terms;
information supplied in connection with the campaign is false, misleading or incomplete;
a participant has attempted to manipulate or misuse the campaign; or
issuing the reward would breach a law, regulatory obligation or requirement of Headland Finance's Australian credit licensee.
Before withholding an otherwise earned reward, Headland Finance will consider the circumstances reasonably and in good faith.
12. Changes, suspension or cancellation
Headland Finance may change, suspend or cancel the campaign where reasonably necessary because of fraud, technical failure, legal or regulatory requirements, or circumstances outside its reasonable control.
Any change will not reduce or remove a reward already earned before the change, except where issuing that reward would be unlawful. Material changes will be communicated through the same channel used to promote the campaign.
13. Liability
Nothing in these terms excludes, restricts or modifies any right or remedy that cannot lawfully be excluded, including rights under the Australian Consumer Law and applicable financial-services laws.
To the extent permitted by law, Headland Finance is not responsible for loss caused by an incorrect email address supplied by a participant, a gift card being used by someone other than its intended recipient after delivery, or events outside Headland Finance's reasonable control.
14. Questions and complaints
Questions about the campaign can be directed to:
Headland Finance
Email: mitch@headlandfinance.com.au
Phone: 0421 944 897
Complaints will be handled under Headland Finance's complaints process. Details are available in the complaints section of Headland Finance's Privacy Policy.
15. Acceptance
By participating in the campaign, the referring client agrees to these terms and conditions.
Version: 1.0
Published: 13 August 2026