Home Loan COMPETITION Australia (2026): Save Thousands + Win $20,000

If you’re planning to buy, refinance, or invest in property, a home loan review in Australia could help you secure a better rate, reduce repayments, and save thousands over time.

In 2026, there’s even more incentive to review your mortgage.

From 1 March to 15 June 2026, eligible borrowers who submit a home loan application with FINANS Brokers in partnership with S&B can enter the $20,000 Home Loan Repayment Competition, where one winner will have $20,000 paid directly towards their home loan.

For many Australians, reviewing their home loan is something that gets pushed down the priority list. However, a simple review can uncover better rates, improved loan structures, and opportunities to significantly reduce long-term costs.

This limited-time opportunity gives borrowers a compelling reason to take action and ensure their lending strategy is working for them.

How the $20,000 Home Loan Competition Works in Australia

Entering the competition is simple.

During the promotion period:

• Every new loan application submitted receives one entry

• Existing clients who refer someone that submits a loan application receive three entries

The competition runs from 1 March until 15 June 2026, and the prize will be paid directly towards the winner’s home loan balance.

Whether you are purchasing a property, refinancing your mortgage, or exploring investment opportunities, your application could also give you the chance to significantly reduce your loan.

Who Should Get a Home Loan Review in 2026?

A home loan review in Australia can benefit a wide range of borrowers:

First Home Buyers

If you’re preparing to purchase your first property, working with a mortgage broker in Brisbane or across Australia can help you understand your borrowing capacity, compare lenders, and access available government incentives.

Homeowners Considering Refinancing

Interest rates, loan products, and lender policies change frequently. Refinancing your home loan may allow you to secure a more competitive rate or unlock better features.

Property Investors

For investors looking to grow their portfolio, reviewing loan structures can help optimise cash flow and support long-term strategy.

Borrowers Planning an Upgrade

If you’re thinking about upgrading your home, reviewing your finance options early can make the process smoother and more strategic.

Why a Home Loan Review in Australia Matters in 2026

Many homeowners stay with the same mortgage for years without reassessing whether it still aligns with their financial goals.

A professional home loan review can help you:

• Compare lenders and interest rates across the Australian market

• Explore refinancing options that may reduce monthly repayments

• Assess whether your loan structure suits your long-term plans

• Identify potential savings over the life of your mortgage

• Understand opportunities for investing or upgrading

Even a small reduction in your interest rate can translate into thousands of dollars saved over time.

How Referrals Increase Your Chances

Existing clients can also take part in the competition through referrals.

When you refer a friend, family member, or colleague who submits a loan application during the promotion period, you’ll receive three entries into the draw.

It’s a simple way to increase your chances of winning while helping someone in your network explore better finance options.

A Smart Time to Review Your Home Loan

If buying, refinancing, or investing in property is already part of your plan this year, this promotion provides an additional reason to act sooner rather than later.

Submitting a loan application during the competition period allows you to:

• Review your current lending strategy

• Explore better loan options

• Position yourself for future property goals

• Enter the draw to potentially reduce your mortgage by $20,000

Ready to Review Your Home Loan?

If you’re considering a home loan review, refinancing, or buying property in Australia, the team at FINANS can help you explore your options and structure your loan with purpose.

This is more than just a competition, it’s an opportunity to make sure your loan is truly working for you.