Priority Partner Program

1 Applies to Summerland Home Loan products only.

2 Applies to carded rates for all Personal and Car Loan products.

3 Applies to Low Rate and Rewards Credit Cards

4 Customers who choose the Easy Access fee package will be entitled to a full waiver of the monthly access fee. The waiver will remain in place until election by the member to change to alternate fee package or upon resignation from the Bank. Other fees and charges may apply. Cannot be combined with other promotions or offers. Annual fee waived for the first year for Premium Home Loans.

Loan rate discount not applicable to broker introduced loans. Offer applies to new applications. Existing customer benefits available on negotiation. Any benefits applied to existing accounts & loans will apply from the date of negotiation. Confirmation of your employment with the Priority Partner may be required. Conditions, fees and charges and eligibility and credit criteria may apply. All information is correct as of 16/02/2022. Terms and Conditions available upon request. The details of this program may change over time. Should these changes directly affect our agreement, we will advise the Partner. Other details may change without notice. Summerland Bank ABN 23 087 650 806. Australian Credit Licence/AFSL 239 238.

Refinance Cashback*

1. Eligible Loans will receive a $2,000 cashback payment (the Offer).
2. By applying for an Eligible Product, for the primary purpose of refinancing an eligible residential home or investment loan, you agree to the terms and conditions of the Offer.  
3. The following Summerland Bank products are Eligible Products for the Offer:
   • Eco Home Loan,  
   • Basic Variable Home Loan, 
   • Premium Home Loan,
   • Fixed Rate Home Loan, and  
   • Investment loans.  
4. To be eligible for the Offer, submit a new loan application for an Eligible Product between 1 April and 15 May 2026, and settle the loan on or before 30 June 2026 (the Offer Period). 
5. Eligible Loans are loans during the Offer Period to owner-occupiers and investors for Eligible Products with a minimum loan amount of $400,000 and a Loan to Value Ratio (LVR) of less than or equal to 80% (including any capitalised fees & charges).  
6. Greater than 50% of the new loan amount must be used to refinance the balance of a mortgage-secured residential home or investment loan from another financial institution. 
7. Applicants (as individuals, joint or company borrowers) are limited to one (1) cashback payment per 12-month period.   
8. A borrower cannot transfer or assign their right to the Offer to any other person. 
9. The following are ineligible for the Offer:
   • Internal refinances and variations.
   • New or existing Bridging loans, Overdrafts, & Business loans. 
   • Applications that include an applicant who has received a cashback payment from Summerland Bank within the preceding 12 months (either as an individual borrower, or as part of a joint or company application). 
   • Loans paid out or refinanced away before the cashback payment is made. 
10. The cashback payment will occur within 90 days after the loan settlement date. Payment can only be made to a nominated Summerland Bank Everyday account held in the same name(s) as the eligible loan at the settlement date.  
11. Summerland Bank may amend or withdraw the Offer at any time. 
12. Standard credit criteria, terms and conditions, and fees and charges apply. 
13. The Offer cannot be used in conjunction with other offers. 
14. Summerland Bank does not accept responsibility for any tax or financial implications arising from accepting this Offer. 
15. Loans issued by Summerland Financial Services Limited Trading as Summerland Bank, ABN 23 087 650 806 AFSL and Australian Credit Licence 239 238. 

First home buyers Cashback*

1. Eligible first home buyers who apply for an Eligible Product will receive a $2,000 cashback payment (the Offer).
2. By applying for an Eligible Product, for the primary purpose of purchasing or constructing the first owner-occupied residential home, you agree to the terms and conditions of the Offer.  
3. The following Summerland Bank products are Eligible Products for the Offer:
   • Eco Home Loan,  
   • Basic Variable Home Loan, 
   • Premium Home Loan, and
   • Fixed Rate Home Loan.  
4. To be eligible for the Offer, submit a new loan application for an Eligible Product between 1 April 2026 and 15 May 2026, and settle the loan on or before 31 July 2026 (the Offer Period). 
5. Eligible Loans are loans during the Offer Period to owner-occupiers purchasing or constructing their first home with a minimum loan amount of $250,000 and a Loan to Value Ratio (LVR) of less than or equal to 95% (including any capitalised fees & charges).  
6. Applicants (as individuals, joint or company borrowers) are limited to one (1) cashback payment per 12-month period.   
7. A borrower cannot transfer or assign their right to the Offer to any other person. 
8. The following are ineligible for the Offer:
   • Applications that include an applicant (borrower) who is not an eligible first home buyer.
   • Internal refinances and variations. 
   • New or existing Bridging loans, Overdrafts,  Business loans and Investment loans. 
   • Applications that include an applicant who has received a cashback payment from Summerland Bank within the preceding 12 months (either as an individual borrower, or as part of a joint or company application). 
   • Loans paid out or refinanced away before the cashback payment is made. 
9. All borrowers are eligible first home buyers who:
   • Have never owned or co-owned a residential property (excluding vacant land) in Australia, and
   • Do not intent to rent any part of the property post settlement.
10. The cashback payment will occur within 90 days after the loan settlement date. Payment can only be made to a nominated Summerland Bank Everyday account held in the same name(s) as the eligible loan at the settlement date.  
11. Summerland Bank may amend or withdraw the Offer at any time. 
12. Standard credit criteria, terms and conditions, and fees and charges apply. 
13. The Offer cannot be used in conjunction with other offers. 
14. Summerland Bank does not accept responsibility for any tax or financial implications arising from accepting this Offer. 
15. Loans issued by Summerland Financial Services Limited Trading as Summerland Bank, ABN 23 087 650 806 AFSL and Australian Credit Licence 239 238.