1. Program Overview
The Employee Home Loan Support Program (Program) is offered by LENDING ASSOCIATION GROUP HOLDINGS PTY LTD (ABN 33 687 304 392), holder of Australian Credit Licence 569606 (“Lending Association”).
The Program provides employees of participating employers with optional access to mortgage broking and credit assistance services. Participation in the Program is voluntary.
2. No Employer Involvement or Endorsement
The employer does not:
- Provide credit or financial advice
- Recommend or endorse any particular loan, lender or product
- Receive referral fees, commissions or other benefits from Lending Association
- Take responsibility for any credit decisions, outcomes or services provided under the Program
- All credit assistance services are provided solely by Lending Association.
3. No Obligation and No Cost to Employer
There is no cost to the employer to offer or promote the Program.
Employees are under no obligation to proceed with any loan, refinance or financial product as a result of making an enquiry through the Program.
4. Fees and Costs
Lending Association does not charge employees a fee to make an enquiry or receive an initial review.
If an employee chooses to proceed with a loan application:
Lender fees, government charges or other third‑party costs may apply
Any applicable fees, charges or commissions will be disclosed to the employee before they proceed
5. Eligibility for the $500 EFTPOS Gift Card
An eligible borrower may receive a $500 EFTPOS gift card where all of the following conditions are met:
- The borrower is an employee of a participating employer at the time of enquiry, or has been referred as a friend of family member of a participating employer,
- The borrower applies for an eligible loan arranged through Lending Association
- The loan proceeds to settlement
The gift card:
- Is payable only to the borrower
- Is limited to one gift card per eligible settled loan or borrower
- Is not available to employees, employers, friends or family members who are not the borrower
6. Timing and Delivery of the Gift Card
Where eligible, the $500 EFTPOS gift card will be issued electronically within 60 days of loan settlement to the borrower’s nominated email address or mobile number.
Gift cards are subject to the issuer’s terms and conditions, including any expiry dates or usage restrictions.
7. Exclusions
Unless expressly agreed otherwise in writing by Lending Association, the following are not eligible for the gift card:
- Loans or applications already in progress prior to the initial enquiry under the Program
- Loans not arranged through Lending Association
- Internal staff of Lending Association
- Lending Association may determine eligibility reasonably and in good faith.
8. Privacy and Consent
All personal information is collected, used and disclosed in accordance with Lending Association’s Privacy Policy.
Employees, friends or family members must make enquiries directly with Lending Association. Personal details must not be submitted on behalf of another person without their consent.
9. Changes to the Program
Lending Association may amend, suspend or withdraw the Program or these Terms & Conditions at any time for future enquiries. Any changes will not affect loans that have already settled.
10. General
Nothing in the Program constitutes financial, legal or tax advice. All credit decisions are subject to lender criteria, terms, conditions and approval.
11. Provider Details
LENDING ASSOCIATION GROUP HOLDINGS PTY LTD
ABN 33 687 304 392
Australian Credit Licence 569606
