Our $10,000 Savings Guarantee – The Fine Print

The Guarantee: If we can’t find you $10,000 or more worth of savings on your home loan or suggest a strategy to implement to save you $10,000 or more savings on your home loan then we will pay you $250.

Eligibility:  In order to be eligible for this guarantee, you MUST provide us with all financial information and documents so that we can completely assess your scenario. Information & Documents are on income, expenses, assets, liabilities and any other personal information that we deem necessary. You must also be able to demonstrate all the following to be eligible for the guarantee:

  1. You have a home loan already

  2. You have at least 30% equity in your property (verified by an official bank valuation less than 3 months old)

  3. You have enough borrowing capacity to refinance

  4. Your property has not changed purpose since taking out your original loan (e.g. you purchased an owner-occupied property, and then turned it in to an investment)

  5. You are the sole owner of a property, and there are no other parties involved

  6. Your property and loan must be for a residential property only, commercial properties are not included in this guarantee

  7. You have a clear credit file, and have never had any missed repayments, defaults or court judgements made against you

  8. Your Equifax credit score is above 800

  9. You are eligible to refinance and fit into any reccomended lender’s individual credit policy & guidelines

  10. You are aged between 20 – 50 years old

  11. Your property is located in a Category 1 or Category 2 postcode

  12. Your property has a freehold or torrens title

  13. There are no title restrictions of any kind on your properties title that make it difficult to refinance your property

  14. You are an Australian Citizen or Australian Permanent Resident

$250 payment guidelines:

  1. You must lodge your claim within two calendar weeks from the date that the first ‘Free 30-minute mortgage freedom strategy session’ was held.

  2. Any claims lodged after the two-week period will be invalid.

  3. Only one $250 payment is allowed per person

  4. Only one claim is allowed per person, subject to our full assessment



  1. “You”, “Your” and “yours” for the purposes of this guarantee means the original applicant that booked in for a free 30-minute mortgage freedom strategy session with Equiti Pty Ltd.

  2. All currency references mean Australian Dollars.

  3. “$10,000+ Savings”, and “savings” for the purpose of this guarantee means that we can either save you cashflow, or save you in interest repayments, or save you in fees from a refinance. Any reference to “savings” is over a minimum of a 20 year period.

  4. Equiti Pty Ltd reserves the right to verify the validity of all savings guarantee claims made. If your claim is assessed as valid, your cashback will be paid into your nominated bank account by EFT.

  5. Equiti Pty Ltd has absolute discretion to determine whether eligibility requirements have been satisfied entitling you to a refund.

  6. Equiti Pty Ltd reserves the right to verify the validity of all claims and disqualify any claimant for tampering with the claim process or for submitting a claim that is misleading or fraudulent. Failure by Equiti Pty Ltd to enforce any of its rights at any stage does not constitute a waiver of those rights.

  7. Equiti Pty Ltd has 60 days to assess refund claims from the complete submission of all related evidence.

  8. If a claim is approved, Equiti Pty Ltd will make a payment within 90 calendar days of approval.

  9. Any of the information shared on our website, social media pages, landing pages or anywhere that we have shared information of any kind is for general information purposes only. It is not intended as legal, financial or investment advice and should not be construed or relied on as such. Before making any commitment of a legal or financial nature you should seek advice from a qualified and registered legal practitioner or financial or investment adviser.