Promotions & Rewards — Terms and Conditions

Effective date: 14 October 2026

1. Who Can Enter?

Our promotions are open to Australian citizens and permanent residents who have used an HQ Mortgage service or otherwise qualify as an eligible customer before entering.

HQ Mortgage staff, directors, relevant contractors and aggregator personnel involved in running a promotion are not eligible to enter.

We may ask for proof of identity, residency or customer eligibility.

2. How Promotions Work

Each promotion will explain how to enter, what the reward is, when entries close and how the winner will be selected and notified.

Please read the details of each promotion before entering. Entering does not guarantee that you will win.

3. Minimum of 200 Entries

Unless stated otherwise, a promotion requires at least 200 valid entries from eligible participants by the closing date.

If fewer than 200 valid entries are received, HQ Mortgage may proceed with the promotion, extend the entry period, postpone or cancel the promotion, or make an optional charitable donation.

Any donation is at HQ Mortgage’s discretion unless the specific promotion says otherwise.

This condition will be disclosed before entries open.

4. Rewards

Rewards are subject to availability and the details advertised for the promotion.

If a reward becomes unavailable, HQ Mortgage may offer an alternative, delay fulfilment or cancel the affected reward arrangement, subject to the promotion conditions and applicable law. An alternative reward is not guaranteed unless stated in the promotion details.

Any additional costs, such as travel or accommodation, are your responsibility unless the promotion specifically says otherwise.

5. Selecting and Contacting Winners

Winners will be selected using the method described in the promotion details.

We may check that a winner meets the eligibility requirements before confirming the result. Please make sure your contact details are correct and check your messages.

If a winner cannot be contacted or does not claim the reward by the stated deadline, HQ Mortgage may conduct a redraw, select another winner or take another step described in the promotion conditions.

6. Fair Participation

Please provide accurate information and follow the entry instructions.

We may reject invalid, duplicate, misleading or fraudulent entries and exclude participants who do not meet the promotion conditions.

7. Changes or Cancellation

HQ Mortgage may change, postpone, suspend or cancel a promotion if necessary, including where the minimum entry requirement is not met, a reward becomes unavailable or circumstances outside our reasonable control affect the promotion.

We will communicate any significant changes through an appropriate channel where reasonably practicable. Any changes will be handled in accordance with the published promotion conditions and applicable law.

8. Social Media Promotions

Promotions advertised through Facebook, Instagram, TikTok, YouTube, LinkedIn or other social media platforms are also subject to the relevant platform’s rules.

Unless stated otherwise, these promotions are not sponsored, endorsed or administered by the social media platform.

Please do not post private or financial information publicly.

9. Privacy and Promotional Content

We may use your personal information to manage the promotion, check eligibility, contact winners and arrange rewards. Your information will be handled in accordance with our privacy policy and applicable privacy laws.

We may use edited or AI-generated images and videos in our promotional material. Images are illustrative unless the promotion details state otherwise.

We will obtain any required permission before using a participant’s image or testimonial for additional marketing purposes.

10. Finance Services

Taking part in a promotion does not guarantee approval for a home loan, refinance, investment loan or any other financial product. All finance applications remain subject to the relevant lender’s assessment and requirements.

11. General Conditions

Rewards supplied by third parties may be subject to their own terms, expiry dates and booking requirements.

Participants are responsible for their own expenses and any tax implications associated with receiving a reward.

These Terms and Conditions are governed by the laws applicable in Victoria, Australia, subject to any other applicable legal requirements.

Nothing in these terms excludes any rights or obligations that cannot lawfully be excluded.

12. Contact Us

HQ Mortgage
INRIM Consulting Group Pty Ltd
ABN: 77 620 129 679
Australian Credit Licence: 559779
10/857 Doncaster Road, Doncaster East VIC 3109
Phone: 0433 371 658
Email: finance@hqmortgage.com.au
Website: https://hqmortgage.com.au

By entering an HQ Mortgage promotion, you agree to these Terms and Conditions and any additional conditions published for that promotion.