Find answers to the most common questions about becoming a Horizon Bank Referral Partner. If you can't find what you're looking for, our team is here to help.
The program allows approved referrers to introduce potential home loan customers to Horizon Bank. If the referral results in a settled loan, the referrer may receive a referral payment or donation.
You can apply to join the program, and if approved, you will be required to enter into a formal agreement before participating.
Referrers may include:
You can introduce customers to Horizon Bank by sharing their contact details (with consent). You must not provide advice or recommend specific products.
You must:
Referrals are submitted via a secure digital referral form provided by Horizon Bank.
You can:
You must not:
Yes, eligible referrals that proceed to loan settlement may attract a one-off payment or donation, depending on the type of referrer.
Payments are made after the loan has settled.
Yes. You must inform customers that you may receive a benefit from Horizon Bank if their loan proceeds.
No. You cannot charge the customer any fee in relation to the referral.
Yes. You must obtain consent before sharing any personal details with Horizon Bank.
Horizon Bank will contact the customer directly to discuss their lending needs.
No. You may only inform customers that Horizon Bank offers home loans. You must not promote or recommend specific products.
No. All applications and supporting documentation must be managed directly by Horizon Bank and the customer
No. Customer privacy obligations restrict the sharing of application details with referrers.
The program operates under regulatory requirements that allow referrals without a credit licence, provided referrers do not give advice or act beyond a limited role.
Failure to comply with the program requirements may result in termination of your agreement and removal from the program.
No. Referrers are not eligible for payments on their own loans, and conflicts of interest must be avoided.
Yes, however each individual must register and use their own referral identification where applicable.
Yes. The referral agreement allows either party to end participation in accordance with its terms.
You will be provided with a Horizon Bank contact (e.g. Branch Manager or program representative) as part of your onboarding pack.
