Refinance gift card promotion

1. The promotion is available to eligible customers who refinance their residential home loan through BR Lending Group.
2. The gift card amount is determined by the total loan amount successfully refinanced and settled:
   • Loan amount of $300,000 to $599,999: $500 gift card.
   • Loan amount of $600,000 or more: $800 gift card.
3. The loan must be formally approved and successfully settled through BR Lending Group to qualify.
4. The gift card will be provided within 30 days of loan settlement.
5. The promotion is limited to one gift card per eligible loan application, regardless of the number of applicants or loan splits.
6. Gift cards are not redeemable for cash.
7. This promotion cannot be used in conjunction with any other BR Lending Group promotional offer unless otherwise stated.
8. BR Lending Group reserves the right to verify eligibility and request additional information where required.
9. The promotion is subject to applicable laws and regulations.
10. BR Lending Group reserves the right to amend or withdraw the promotion for future applicants. Any changes will not affect customers who have already qualified.
11. All lending is subject to lender approval, eligibility criteria and lending conditions. Fees and charges may apply.
12. New loans submitted from 5th November, 2026.

This promotion is offered by BR Lending Group and is not affiliated with or endorsed by the lender. The gift card is a promotional benefit and does not influence the assessment or recommendation of a suitable loan. All lending recommendations are based on the client's individual circumstances, objectives and requirements.