Eligibility

To refer a friend for a home loan, your family member or friend must:

Mortgage referrals

1. Not already be an existing or previous customer of Heron Financial.

2. Be a permanent resident of the United Kingdom.

3. Be over 18 years of age.

4. Apply for and complete a mortgage of at least £200,000 through Heron Financial.

Protection referrals

1. Not already be an existing or previous customer of Heron Financial.

2. Be a permanent resident of the United Kingdom.

3. Be over 18 years of age.

4. Take out a qualifying protection policy through Heron Financial with a minimum monthly premium of £50.

You cannot refer yourself to Heron Financial. Referrals made by members of the same household, immediate family members living at the same address, or joint applicants referring each other will not be eligible.

Reward

• The reward is a £50 gift card, and the referrer can choose from Amazon, John Lewis or M&S.
• Only one gift card will be issued per referred mortgage application, regardless of the number of borrowers, loans, or split accounts.
• For mortgage referrals, the gift card will be issued to the referrer within 30 days of the referred mortgage being funded.
• For protection referrals, the gift card will be issued to the referrer within 30 days of the qualifying protection policy being placed and confirmed.
• Notification of payment will be sent by email; for privacy reasons, we cannot disclose which friend’s loan has completed.

Restrictions

• This scheme is for individual customers only. Businesses, intermediaries, property developers, estate agents, housebuilders, and their employees are excluded.
• Referrals must be genuine. Any attempt to exploit the scheme (including self-referrals, reciprocal referrals, false identities, bulk submissions, or automated referrals) will result in disqualification and possible exclusion from future promotions.

General

• Heron Financial reserves the right to vary, suspend, or withdraw this promotion at any time without prior notice.
• If withdrawn, valid referrals submitted before the withdrawal date will still be honoured, provided the qualifying mortgage completes or the qualifying protection policy is successfully placed.
• The promotion cannot be used in conjunction with other offers unless expressly stated.
• Heron Financial may, at its absolute discretion, refuse to pay a reward if it determines the scheme has been misused or not followed in good faith.
• Standard credit assessment and loan suitability criteria apply. Terms, conditions, fees, and charges apply.

Legal & Privacy

• Your home may be repossessed if you do not keep up repayments on your mortgage.
• Personal information is treated in accordance with the Data Protection Act 2018. By participating, you consent to Heron Financial using your details for administration of this promotion and to contact you about related products and services.
• Heron Financial Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited, which are authorised and regulated by the Financial Conduct Authority.
• Registered Office: 207 Cardinal Point, Park Road, Rickmansworth, Hertfordshire, WD3 1RE. Registered in England No: 07694062.