Referral campaign terms.

The promoter is Maverick Wealth Pty Ltd trading as Maverick Wealth, ABN 81 691 297 524, Credit Representative 573782 of Mortgage Specialists Pty Ltd ACN 612 422 178 trading as Specialist Finance Group (SFG), Australian Credit Licence 387025 (Maverick Wealth, we, us or our).

The campaign begins at 12:01am AEST on Thursday 3 September 2026 and closes at 11:59pm AEST on Friday 30 October 2026 (Campaign Period).

A referral must be made during the Campaign Period, which means the referred customer must contact Maverick Wealth and identify the referring client within that period. A referred customer may complete their appointment or settle their loan after the Campaign Period, subject to the timeframes below.

The campaign is available to individuals who:

• are at least 18 years old;
• were an existing or previous Maverick Wealth client before the referral was made; and
• are not an employee, contractor or representative of Maverick Wealth, SFG or their related entities.

Professional referrers are not eligible unless Maverick Wealth confirms otherwise in writing.

An eligible referred customer must:

• be at least 18 years old;
• be genuinely introduced to Maverick Wealth by an eligible referring client;
• contact Maverick Wealth directly, submit their own enquiry and consent to being contacted;
• identify the referring client when making their initial enquiry; and
• not be an existing Maverick Wealth client or have an active enquiry, appointment, application or credit proposal already recorded with Maverick Wealth during the 12 months before the referral.

Maverick Wealth will not accept a referred person’s contact details without that person’s knowledge and consent. Referring clients should share Maverick Wealth’s contact details or campaign link and allow the referred person to make contact themselves.

The referring client will qualify for a $50 gift card when the eligible referred customer:

• completes an initial finance appointment with Brad Hall from Maverick Wealth 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.

The referring client will qualify for an additional $250 gift card if the same eligible referred customer:

• chooses to proceed with Maverick Wealth;
• obtains an eligible loan through Maverick Wealth; 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 Maverick Wealth. Personal loans, asset finance, commercial finance, private lending and any other finance not confirmed by Maverick Wealth as eligible are excluded.

Loan approval and settlement are not guaranteed. No reward is payable merely because an application is submitted or approved.

• Only one referring client may be recorded for each referred customer.
• If more than one person claims the same referral, Maverick Wealth will use the referrer’s name supplied by the referred customer when they first contacted Maverick Wealth.
• 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. Maverick Wealth 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.

• 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 Maverick Wealth 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.
• Maverick Wealth 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 Maverick Wealth holds their correct contact details and for any personal tax consequences arising from a reward.

Participation in this campaign does not influence:

• whether Maverick Wealth provides credit assistance;
• Maverick Wealth’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
• Maverick Wealth’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 Maverick Wealth after the initial appointment.

A referring client must tell the person they refer that they may receive a benefit for the referral, at the same time as they pass on Maverick Wealth’s contact details or campaign link. This obligation rests with the referring client and Maverick Wealth cannot discharge it on their behalf. The default share message Maverick Wealth provides already includes this disclosure.

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.

Personal information will be handled in accordance with Maverick Wealth’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 Maverick Wealth has an appropriate basis to do so, and recipients may opt out at any time.

To administer the campaign, Maverick Wealth may tell the referring client whether the relevant reward milestone has been achieved. Maverick Wealth 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.

Maverick Wealth may request information reasonably necessary to verify eligibility. Maverick Wealth 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 Maverick Wealth’s Australian credit licensee.

Before withholding an otherwise earned reward, Maverick Wealth will consider the circumstances reasonably and in good faith.

Maverick Wealth 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.

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, Maverick Wealth 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 Maverick Wealth’s reasonable control.

Questions about the campaign can be directed to:

Maverick Wealth
Email: brad@maverickwealth.com.au
Phone: 0432 524 935

Complaints will be handled under Maverick Wealth’s complaints process, set out in full on our Complaints page. That page also explains how to escalate a complaint to the Australian Financial Complaints Authority (AFCA), of which Maverick Wealth is a member (member 118316).

By participating in the campaign, the referring client agrees to these terms and conditions.