WHO THIS IS FOR
Frontline Employees
This service is designed for frontline employees
Including, but not limited to:
Police, fire, paramedics, Nurses, midwives, Doctors, Defence, and other frontline staff.
The Problem Frontline Workers Face
Frontline workers are often stable, long-term borrowers. Many stay with the same lender for years, focus on their work rather than their loan, and rarely revisit whether their home loan still makes sense. Over time, that loyalty can quietly cost money.
Long-term Borrowers
Frontline workers are stable, long-term borrowers who often stay with the same lender for years without reviewing their options.
Costly Loyalty
This loyalty can quietly cost them money over time, as better rates and terms may be available elsewhere.
HOW IT WORKS
How Godwin Finance Helps
Godwin Finance is a mortgage broking business that works with frontline professionals across Australia. Our role is straightforward: We manage your home loan from lender selection through to settlement - regardless of which lender you end up with.
Step 01
Income Assessment & Lender Comparison
We assess your income correctly, including allowances and shift work, then compare options across a broad panel of lenders.
Step 02
Application & Negotiation
We arrange upfront property valuations, negotiate interest rates, and prepare a clean, well-structured application.
Step 03
Process Management to Settlement
We manage the entire process through to settlement, ensuring you deal with one broker, not multiple banks.
Initial Bonus
$1,000 paid after settlement, where eligibility is met.
Annual Renewal
$500 paid each following year the loan continues to meet eligibility criteria.
Godwin Finance Funded
Paid by Godwin Finance, not a lender, ensuring impartiality.
Automatic Eligibility
Eligibility is assessed automatically by Godwin Finance, no claim forms required.
WHAT TO EXPECT
Clarity and Strategy After Our Chat
After the initial conversation, most frontline clients have a clear understanding of their borrowing position, suitable lender options, a realistic lending strategy, and clear next steps. No obligation, just clarity.
Chris has definitely lived up to the expectations that the person who referred me, and he has actually exceeded those expectations. I am very happy with the quality of service chris and his team have been able to deliver in the three loan applications. Chris' attention to detail is absolutley spot on.
Shane
Investing in property
Chris first assisted us with our with first home loan application and was very professional and dedicated to find us the best deal going around at the time. Chris was always available to assist us with any query of concern at the drop of a hat. i was very pleased with his professionalism. I would highly recommend Chris to assist you with your financial goals and long term objectives, i would certainly use him again. I give 5 out 5 stars !!
Amber & Nick
First home purchase and construction
Chris recently helped us with securing finance for our block of land. It was a stressful process which my husband and I didn’t understand until Chris took over and handled everything for us. He was professional, responsive and timely with his communication, and we always knew what was going on and what information we needed to provide to the bank. We are so grateful to Chris for helping us and would highly recommend him for future clients! Thank you so much, Chris!
Allan & Sarah
First home purchase and construction
No Fees - Ever
Godwin Finance is paid by the lender, not by you, ensuring transparent and cost-free service for our clients.
$0
Fees for Lending Advice
$0
Fees for Application Preparation & Valuations
$0
Fees for Interest Rate Negotiations & Ongoing Support
Important Information & FAQs
Find answers to common questions about the Frontline Bonus and our service, ensuring full transparency and clarity.
Who counts as a frontline worker?
Frontline workers include people in roles such as police, nursing, medical, defence and military, paramedics, and emergency services. If your role involves frontline public service, you can ask us to confirm eligibility during the process.
Is the Frontline Bonus paid by the bank?
No. The Frontline Bonus is paid by Godwin Finance, not by any lender. It is separate from your home loan and from any lender cashback offers.
Do I have to choose a specific lender to qualify?
No. The bonus applies across our panel of lenders and is not tied to any specific bank or product.
Do I need to apply or submit a claim?
No. Godwin Finance manages eligibility assessment and bonus payments internally. We may contact you if any information is required to confirm eligibility.
When is the $1,000 paid?
The initial $1,000 may be paid after settlement, provided the upfront commission paid by the lender is based on a qualifying loan balance.
How do the ongoing $500 payments work?
The $500 annual payment may be paid each year while the loan continues to meet eligibility criteria, including the commission-based balance threshold.
Does this affect the advice I receive?
No. All lending recommendations are made in line with Best Interest Duty and responsible lending obligations, based on your circumstances - not the bonus.
Do I need to apply through the link on this webpage?
Yes. You will need to use the 'Get Started' link on this webpage for your profile to be tagged for the Frontline Bonus.
Clear Advice. Fully Managed. Built for Frontline Workers.
If you’re a frontline employee considering a home loan or refinance — and want the process managed properly — you can get started below.
02 9033 9106
General Enquiries
support@godwinfinance.com.au
Email Support
Level 4, 29 Kiora Road, Miranda NSW
Our Office
Frontline Bonus - Terms & Conditions
The Frontline Bonus is offered by Loans Simple Pty Ltd trading as Godwin Finance (“Godwin Finance”). The bonus is not provided by any lender and does not form part of any home loan contract or loan terms. The following terms are in place to ensure the sustainability of the Frontline Bonus payments.
1. Eligibility
To be eligible for the Frontline Bonus, all of the following must apply:
- The borrower must be a current, serving frontline employee at the time eligibility is assessed and at the time of any bonus payment
- Eligible frontline roles include (but are not limited to): police officers, nurses, midwives, doctors, defence and military personnel, paramedics, and emergency services workers.
- The loan must be an owner-occupied residential home loan
- The loan must be arranged and settled through Godwin Finance
- Godwin Finance must receive upfront and trailer commissions based on the minimum loan amount listed in these terms as direct result of arranging your loan.
- Maximum of one Frontline Bonus eligible loan per household.
- Loans for purposes other than owner-occupied residential lending (including residential investment loans) are not eligible.
- Applications must be made through the 'Get Started' link on this page.
2. Commission-Based Assessment
Eligibility for the Frontline Bonus is determined solely by the commission paid by the lender to Godwin Finance as a direct result of arranging your loan, not by the loan limit shown on the loan contract.
For the avoidance of doubt:
- The relevant loan balance is the balance on which the lender calculates and pays commission
- Offset account balances are deducted when determining the relevant loan balance
- Available redraw amounts are not included in calculations
- Godwin Finance’s determination of the commission-based balance is final.
3. Initial Bonus Payment
An initial bonus payment of $1,000 may be paid only if the upfront commission paid by the lender is calculated on a loan balance of at least $500,000, net of any offset account balances.
If the upfront commission paid by the lender is calculated on a balance below $500,000 (net of offset), the initial bonus will not be paid.
4. Ongoing Annual Bonus Payments
An ongoing bonus payment of $500 may be paid for each year the loan continues to meet eligibility criteria.
Ongoing bonus payments will cease immediately if:
- The commission paid by the lender is calculated on a balance below $500,000, net of offset balances
- The lender claws back, reverses, or reduces any part of the commission previously paid
- The loan no longer meets the eligibility requirements set out in these Terms & Conditions
5. Bonus Assessment and Payment
Bonus payments are not automatic entitlements.
Godwin Finance will monitor eligibility and manage qualification and payment internally.
Godwin Finance may request documentation to confirm eligibility (including loan statements or confirmation of employment).
Bonus payments are made only after eligibility has been verified and approved by Godwin Finance.
6. Lender Cashbacks
Any lender-provided cashback offers are separate and additional to the Frontline Bonus. Godwin Finance does not guarantee the availability, approval, or timing of any lender cashback.
7. Discretion, Clawbacks and Cessation
The Frontline Bonus is offered at the discretion of Godwin Finance.
Godwin Finance reserves the right to:
- Decline, suspend, or cease bonus payments if lender commission is reduced, reversed, or clawed back
- Decline, suspend, or cease bonus payments if eligibility criteria are no longer met
- Decline, suspend, or cease bonus payments if any other circumstances arise that, in Godwin Finance’s reasonable view, make continued payments inappropriate
- No bonus payments are payable where commission has been clawed back by the lender.
8. No Influence on Credit Advice
The Frontline Bonus does not influence lender or product selection. Credit assistance is provided in accordance with Best Interest Duty and responsible lending obligations, based on the client’s individual circumstances.
9. Tax Considerations
Recipients are responsible for obtaining their own tax advice regarding the treatment of any bonus payments.
10. General Information
This information is general in nature and does not constitute credit, financial, or tax advice. A full assessment is required before any credit assistance is provided. Australian law applies.