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Home Loan Cashback Offers

Whether you are looking to refinance your existing home loan, or purchasing your new home. Not only can we help you find your next loan but we can match you with the best home loan offers and refinance cash-backs available.

The latest lender rates and home loan offers and cashbacks are outlined below. Note, not all products qualify for cash-back offers and should be discussed with a mortgage broker before you apply.

(2) active home loan offers · Last updated 14 October 2026

ANZ cashback offer

ANZ — $3K cashback for eligible first home buyers*

Don’t qualify for the Government Scheme? You could still get $3,000 cashback to spend how you like. Available to eligible first home buyers with an ANZ home loan of $250,000 or more.

Offer ends

See details

*Conditions apply


ME cashback offer

ME — Get up to $3,000 cashback.*

Refinance to a ME home loan and you could get up to $3,000 cashback.

Get $3,000 cashback when you refinance from another lender, borrow $700,000 or more, and have a loan-to-value ratio (LVR) of 80% or less. Get $2,000 cashback when you refinance an eligible home loan with an LVR above 80% and a minimum loan size of $400,000 and LMI payable.

Apply between 18/08/26 and 28/02/27 and settle within 120 days of the application date.

Offer ends

See details

*Conditions apply





Home loan cashback offers — common questions

What is a home loan cashback offer?

A cashback is a one-off payment a lender credits to you after settlement, usually when you refinance an existing home loan to them. In Australia these are typically paid into your transaction account within 30 to 60 days of settlement and are conditional on minimum loan size, loan-to-value ratio and security type.

Is the lender with the biggest cashback the cheapest home loan?

Often not. A cashback is paid once; the interest rate is paid every month for the life of the loan. On a $700,000 loan, a 0.15% higher rate costs roughly $1,050 in the first year alone, which outweighs most cashbacks within two to three years. Compare the total cost over the period you expect to hold the loan, not the headline cashback.

Do I have to pay tax on a home loan cashback in Australia?

For an owner-occupied home loan the ATO generally does not treat a refinance cashback as assessable income. For an investment loan the treatment can differ, and the cashback may reduce your deductible borrowing costs. Confirm your position with your accountant.

Can Australian expats access refinance cashback offers?

Some lenders extend cashback campaigns to non-resident and expat borrowers, but many exclude them, and the lenders that do accept foreign income apply tighter loan-to-value ratios and income shading. If you are an Australian citizen living overseas, check eligibility before you switch lenders for a cashback.

How often are these offers updated?

This page is generated from live lender data and refreshes daily. Offers are withdrawn at short notice, so confirm the current terms with a broker before you apply.