Cashback Terms and Conditions

Cashback Amount


Cashback is calculated as 10% of the commission paid to Farnham Finance by the lender following completion of a mortgage or product transfer.

  • Minimum cashback: £20
  • Maximum cashback: £200 per mortgage application

Payment of Cashback


Cashback will be paid to a nominated UK bank account once:

  • Commission has been received from the lender, and
  • The payment has been processed by HL Partnership Limited

Exclusions


Cashback is not payable on:

  • Any broker fees paid directly by the client

Additional Products and Services


Cashback will also apply to additional income received by Farnham Finance in connection with your mortgage, including (but not limited to):

  • Home insurance
  • Life insurance
  • Referrals to solicitors or will-writing services

These will be included within the same £200 maximum cashback limit per application.

Offer Period


This is a limited-time offer, valid until 31st December 2027, unless extended.


Farnham Finance reserves the right to withdraw or extend the offer at its discretion.

Multiple Applicants


Where there is more than one applicant, cashback will be paid to one nominated bank account only, as agreed by the applicants.

Variation in Cashback Amounts


Commission rates paid by lenders typically range between 0.2% and 0.5% of the loan amount, meaning cashback amounts will vary depending on the lender.


The commission amount will be disclosed in your Mortgage Offer document, and cashback will be calculated accordingly.

Administration

Farnham Finance will manage the cashback process. No action is required from you other than proceeding with your mortgage application through us.

Refer a Friend Scheme – Terms and Conditions

Overview

Farnham Finance offers a “Refer a Friend” scheme under which both the referrer and the referred client may receive a cashback payment, subject to these terms.

Referral Reward

  • The referrer will receive cashback equivalent to 10% of the commission paid to Farnham Finance by the lender.
  • The referred client will also receive cashback equivalent to 10% of the commission paid to Farnham Finance by the lender.
  • Each payment is subject to:
    Minimum payment: £20
    Maximum payment: £200 per mortgage application per party

Eligibility

To qualify for the scheme:

  • The referral must be made before the referred client submits a mortgage application
  • The referral must be confirmed in writing (e.g. email or message)
  • Farnham Finance must be able to identify the referrer at the outset of the application
  • The referred client must be a new customer who has not previously engaged with Farnham Finance
  • The referrer must be 18 years or older
  • Self-referrals are not permitted

Qualifying Transaction

Cashback is only payable where:

  • The referred client completes a mortgage or product transfer, and
  • Farnham Finance receives commission from the lender in respect of that transaction

Additional Products and Services

Cashback may also apply to additional income received by Farnham Finance in connection with the referred client’s application, including:

  • Home insurance
  • Life insurance
  • Referrals to solicitors or will-writing services

All payments remain subject to the maximum £200 per person per application.

Exclusions

Cashback is not payable on:

  • Any broker fees paid directly by the client
  • Referrals where the client was already in contact with Farnham Finance
  • Cancelled, declined, or incomplete applications

Payment of Cashback

  • Cashback will be paid to a nominated UK bank account for both the referrer and the referred client
  • Payment will only be made once:
    Commission has been received from the lender, and
    The payment has been processed by HL Partnership Limited
  • Payments will typically be made within 30 days of commission receipt

Multiple Applicants

Where the referred mortgage application involves multiple applicants:

  • The referred client cashback will be paid to one nominated bank account only

Offer Period

This scheme is available until 31st December 2027, unless extended.
Farnham Finance reserves the right to withdraw or amend the scheme at any time without prior notice.

Tax Liability

Any tax liability arising from cashback payments is the responsibility of the recipient.

General

  • Farnham Finance reserves the right to withhold or reclaim cashback in cases of suspected fraud, abuse, or non-compliance with these terms
  • This scheme cannot be used in conjunction with any other offer unless explicitly stated