Client Royalty Reward

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As part of our partnership with Feel the Magic, Plenitude Financial offers eligible clients an annual Client Royalty Reward as a small, ongoing gesture of support.

What is Client Royalty Reward? 

The Client Royalty Reward is an annual gift card paid directly to eligible clients whose home or investment loan has settled with Plenitude Financial under this program.

Who is eligible? 

You may be eligible for the Client Royalty Reward if:

• You are part of the Feel the Magic community (for example, a participating family or volunteer)
• Your loan has settled with Plenitude Financial
• The loan remains open/active, and you remain the borrower of record (the loan has not been closed, refinanced elsewhere, or transferred to another borrower)

Rewards continue each year while these conditions are met.

How your reward is calculated? 

Your reward is based on your Effective Loan Size, which is:

   Effective Loan Size = Loan Balance − Offset Account Balance

In simple terms, we look at how much you still owe on the loan, minus any money you have sitting in an attached offset account.

For this program, the Effective Loan Size is calculated in line with the monthly loan summary provided by Loan Market Group (LMG).

Who is LMG?
Loan Market Group (LMG) is the national mortgage aggregator that Plenitude Financial is part of. LMG helps administer loans in the background, including tracking loan balances and processing commissions to brokers. We use LMG’s monthly loan summary to confirm the figures used for your Client Royalty Reward.

Reward tiers (per year):

• Less than $300,000 effective loan size → $100 gift card
• $300,000 to $499,999 → $200 gift card
• $500,000 to $999,999 → $300 gift card
• $1,000,000 to $1,499,999 → $400 gift card
• $1,500,000 and above → $500 gift card

When payments are made? 

• Your first reward is paid within 90 days of settlement, using the Effective Loan Size measured approximately 30–60 days after settlement
• Each year after that, your reward is paid within two weeks of your loan’s settlement anniversary, based on the Effective Loan Size at that anniversary date

Example 

A loan settles on 1 January 2026. On 15 February 2026:

• Loan balance = $1,000,000
• Offset account balance = $200,000
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Effective Loan Size = $1,000,000 − $200,000 = $800,000

This falls into the $500,000 to $999,999 tier, so the client receives a $300 gift card as their Client Royalty Reward.

In future years, the reward is recalculated on each settlement anniversary, for as long as the loan remains active and eligible.

Important notes

Rewards are subject to verification using the monthly loan summary provided by Loan Market Group (LMG).

Plenitude Financial reserves the right to amend, suspend or withdraw the Client Royalty Reward program (including reward amounts and eligibility criteria) at any time. Any changes will be updated on this page.

This information is general in nature and does not take your personal objectives, financial situation, or needs into account. It does not constitute financial advice.