Tomorrow Financial Solutions
Frequently asked questions
Who can join the TFS Loyalty Program?
Any TFS client with an active home loan settled through Tomorrow Financial Solutions and a minimum loan balance of $100,000 is eligible. Membership is free and automatic once your loan settles.
How do I earn points?
You earn 70 credits upfront for every $100,000 settled, plus 20 credits per year per $100,000 of loan balance still outstanding (calculated from year 2, accrued monthly on the 12th).
When can I start redeeming points?
Points are locked during your lender's clawback period — typically around 18 months. Once unlocked, points are valid for 24 months from the unlock date.
What can I redeem points for?
Your credits redeem against stays at our partner hotels in Sri Lanka — Browns Hotels & Resorts and The Reveal Collection. A full catalogue with credit values is on the Hotels page.
Can I gift my points to family or friends?
Gold and Platinum members can gift credits to others. Gifted credits expire 12 months from the gifting date.
What happens if I refinance away from TFS or leave?
Loyalty membership is tied to your active loan with TFS. If your loan moves to another broker outside TFS — whether during the clawback period or after — any credits you have accrued, locked or unlocked, are forfeited in full. To keep your credits, your loan must remain with TFS.
How do I check my balance?
In Phase 2, every member will have a private dashboard to view their credit balance, tier progress and redemption history. In the meantime, your TFS Broker can provide an up-to-date statement on request.
Still have a question? Email loyalty@tomorrowfs.com.au or call 03 9193 3634.