The Octopus Advantage: More Than a Better Rate.
We make borrowing smarter. You save on interest and earn rewards on your loan.
Plus yearly loyalty vouchers while you stay.
Customer Reward Example
$100 voucher for every $100k
Example loan
$500
Reward on $500k
Loan
$500,000
Voucher
$500 in e-vouchers
Timing
Issued 12 months after settlement
The Octopus Advantage
Reward
Get rewarded for keeping your loan.
Save Thousands
Competitive rates from a wide lender panel.
Save Time
We handle the paperwork end-to-end.
Customer Reward
Get rewarded for choosing a smarter loan.
Our Customer Reward combines sharp rates with useful vouchers.
Simple, transparent rewards
- • You receive a $100 e-voucher for every $100,000 of loan value.
- • Example: a $500,000 loan earns a $500 Reward Voucher.
- • Your voucher is issued 12 months after settlement.
- • You also receive a $100 loyalty voucher each year you stay with the loan.
Step 1
Settle your loan
We help you secure a competitive loan.
Step 2
Wait 12 months
Stay on track while we watch the market.
Step 3
Get your Reward Voucher
Enjoy your voucher and yearly rewards.
Save Thousands, Effortlessly
The difference between a "good" rate and the right rate.
A small rate change can mean thousands over the life of a loan. Our broker team helps find that difference.
We compare widely
💲We compare rates and fees from many lenders.
- • Major banks
- • Specialist lenders
- • Non-bank options
We negotiate hard
🤝We structure your application for a better outcome.
- • Highlighting your strengths
- • Negotiating fees and rates
- • Checking lender cashback offers
A small rate change, a big difference.
Figures are illustrative only and don't consider individual circumstances.
"Good" rate
On $600,000 over 30 years
6.50%
Better rate
Just 0.25% lower
6.25%
Over the loan, that difference can mean thousands in interest savings, plus our customer rewards.
Save Your Time
We give you back your weekends.
We handle the forms, calls and follow-ups so you can focus on what matters.
-
1
Tell us what you need
We start with a quick chat or short online form.
-
2
We compare and apply
We research options, handle paperwork and liaise with lenders.
-
3
Settle and then get rewarded
Once settled and your loan is in place for 12 months, we'll send your Reward Voucher, with loyalty vouchers each year after.
Time Back in Your Hands
Loan shopping: before vs Octopus
Before
- • Multiple bank appointments
- • Repeating your story each time
- • Jargon and fine print
- • Hard to compare options
With Octopus
- • One clear fact-find upfront
- • Jargon translated into plain English
- • Options compared side-by-side
- • Paperwork handled for you
Our goal: you shouldn’t need a spare day and a spreadsheet to get a great loan.
Who is it for?
Designed for real people with real goals.
Our value and reward structure suits busy people, whether it’s your first step or your next move.
🏡
First-time buyers
You want clear guidance, less stress and confidence you’re not overpaying.
- • Support through each step
- • Side-by-side comparison of options
- • Reward vouchers to celebrate
📈
Seasoned borrowers
You already have loans and want sharper rates and more flexibility.
- • Refinance strategies
- • Portfolio-friendly structures
- • Rewards for staying on track
🏢
Business owners
You need funding that matches your business without losing days to admin.
- • Commercial and asset finance
- • Cash-flow friendly solutions
- • Rewards that recognise your loyalty
Questions about rewards & value
We keep the fine print friendly.
Here are common questions about our value and reward structure.
This is general information only and does not take into account your objectives, financial situation or needs. Seek personalised advice before making decisions.
Do I pay you directly for this service? ⌃
The lender pays us, not you. We’ll explain how we’re paid and how that relates to your loan before you proceed.
When exactly do I receive my Reward Voucher? ⌃
Your main Reward Voucher is issued 12 months after settlement, based on the loan value at that time. After that, as long as you remain with the loan, you’ll receive a yearly loyalty voucher.
What if I refinance or close my loan early? ⌃
If your loan is closed, reduced or refinanced away before 12 months, your eligibility for the Reward Voucher may change. We’ll outline how this works for your loan before you proceed.
Does this reward affect my interest rate? ⌃
The Reward Voucher is an extra member benefit. Our priority is still securing a competitive loan structure and rate for you.
Can I still get help if I don’t want the reward? ⌃
Yes. The reward is optional. If you opt out, we focus on finding you a great loan and supporting you over time.
Ready to see your Octopus Advantage?
Let’s explore how much you could save and get back.
Share a few details and we’ll arrange a free chat with a licensed Octopus Lending broker. We’ll discuss potential interest savings and estimate your Reward Voucher.
- • No pressure, just clear information.
- • No cost for the chat.
- • No impact on your credit score.