Terms & conditions

Last updated: May 2026

The TFS Loyalty Program ("Program") rewards eligible clients with loyalty credits ("TFS Credits") based on their active residential or investment loan balances. These credits can be redeemed for premium travel, hospitality experiences, and exclusive benefits. Participation in the Program constitutes acceptance of these Terms and Conditions.

Eligibility

• Open to individuals with a settled residential or investment loan held with TFS.
• Clients must maintain a minimum outstanding balance of $100,000 to be eligible.
• SMSF or Business loans may be excluded at TFS's discretion.
• TFS retains the right to determine and revoke eligibility at its sole discretion.

Earning Credits

• Credits are allocated monthly on the 12th, based on the net loan balance (excluding offset/redraw).
• To qualify, your loan must be active with TFS throughout the month.
• Credits are locked and not redeemable during the lender clawback period and unlock automatically once the clawback period concludes.

Accuracy of Loan Balances & Data Lag

Loan balances used to calculate each client's TFS Credits are sourced directly from the trail commission and balance information provided to TFS by the relevant lender and our mortgage aggregator. This information is reported on a delayed cycle and is always two (2) calendar months behind the current month.

• Credits allocated in any given month are calculated strictly from the balance reported by the lender/aggregator for the relevant reporting month, not the live balance of the loan.
• Where the lender or aggregator subsequently revises a balance (for example, due to a clawback, payment reversal, refinance, or reporting correction), TFS will reconcile and adjust the credit balance accordingly in the next monthly run.
• TFS makes every reasonable effort to ensure credits are calculated accurately, but is not liable for any discrepancy that arises solely from information provided by the lender or aggregator.
• By participating in the Program, the client acknowledges and accepts this two-month reporting lag as the basis on which credits are earned and allocated.

Loyalty Tiers & Qualification

Your tier is assessed based on the average end-of-month net loan balance:

TFS may also consider engagement factors in tier assignment and may adjust status in accordance with internal policy.

Redeeming Credits

Once unlocked, credits can be redeemed for:

• Luxury hotel stays via Browns Hotels or The Reveal Collection (Sri Lanka)
• Flights with Sri Lankan Airlines or travel agency partners
• Gifting to family (Gold and Platinum tiers only)

Redemption conditions:

• Hotel stay redemptions in Sri Lanka are available during the May–October travel window each calendar year. Bookings outside this window cannot be confirmed under the Program.
• TFS Loyalty redemptions cannot be combined with any other loyalty program, hotel rewards program, airline frequent-flyer program, promotional rate, or third-party offer. Stays booked under TFS Loyalty are not eligible to earn or redeem Marriott Bonvoy or any other partner-program points.
• Subject to availability, blackout dates, and partner policies apply
• Minimum redemption thresholds may apply
• Rewards are non-transferable, non-refundable, and hold no cash value
• Clients bear any applicable taxes, surcharges, or third-party fees

Credit Expiry & Forfeiture

• Unused, unlocked credits expire 24 months from the date of being unlocked.
• If you choose to refinance your loan from one lender to another while remaining a TFS client, any loyalty credits earned from the original loan will be forfeited. A new set of credits will then be allocated against the new loan from the point of settlement.

All accrued credits — locked or unlocked — are forfeited in full if:

• The client leaves TFS for any reason, including refinancing to another broker, discharging the loan, sale of the security property, or any other event that ends the client's active TFS broker relationship. This applies regardless of clawback status.
• Credits were earned on offset-held balances
• The Program is terminated (with 60 days' notice)
• Fraud, abuse, or misconduct is identified

Gifting Credits

• Available to Gold and Platinum clients only
• Can be gifted to verified immediate family or household members
• Gifted credits must be redeemed within 12 months of transfer
• Subject to TFS's approval and verification process

Account Management

• Members may track credits, redemptions, and tier via the TFS Rewards Portal or through their TFS allocated team member.
• Credits are not redeemable for loan repayments, cash, or used as a financial offset.
• Misuse or suspicious activity may result in account suspension or termination.

Amendments, Suspension & Termination

• TFS reserves the right to update, pause, or terminate the Program at any time.
• Clients will be notified via email or the TFS website, with a minimum 30-day notice (60 days in case of Program termination).
• On termination, unused credits may be forfeited unless otherwise specified.

Privacy & Data Use

• By participating, clients consent to the collection and use of their personal data to administer the Program.
• Data may be shared with partners solely for the purpose of redemption and benefit delivery.
• For more information, see our Privacy Policy.

Tax, GST & Legal Conditions

• Redemption of credits may attract tax implications. Clients are advised to seek independent financial and tax advice.
• TFS and its partners are not liable for circumstances outside their control, such as travel disruptions or changes by reward providers.
• These Terms are governed by the laws of Victoria, Australia.

Definitions

Clawback Period

The timeframe following loan settlement during which loyalty credits are withheld to protect against lender commission clawbacks. The duration varies by lender, typically ranging from 1 day to 24 months — with 18 months being the most common. Credits will only be released and made available for redemption once the applicable clawback period has ended.

Offset Account

A loan-linked account that offsets the loan principal for interest calculation.

Loyalty Account

Non-cash account tracking credit accrual and usage.

Partner

Hotels, airlines, banks, or service providers officially linked to the Program.

Credits

Units allocated based on loan balance, redeemable only under these Terms.

Aggregator

The mortgage aggregator through which TFS submits loans to lenders, and through which trail commission and loan-balance reporting is received. Aggregator reporting is the basis used by TFS to calculate loyalty credit accruals.

Contact

Questions about these terms: loyalty@tomorrowfs.com.au · 03 9193 3634 · 1/795 Toorak Road, Hawthorn East VIC 3123.