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Best Home Loan Cashback Offers

Compare refinance cashback offers from $2,000 - $4,000

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Best home loan cashback offers & deals – quick comparison

Here’s a selection of lenders offering cashback on eligible home loans. See below for a detailed breakdown of the offers.

Lender

IMB Bank

Cashback deal

  • $2,000 for loans of $250,000 - $499,999
  • $3,000 for loans of $500,000 - $749,999
  • $4,000 for loans of $750,000+

Lender

ANZ

Cashback deal

  • $2,000 for refinanced loans above $250,000
  • $3,000 for first home buyer loans above $250,000

Lender

BankVic

Cashback deal

  • $3,000 for loans above $350,000

Lender

Newcastle Permanent

Cashback deal

  • $2,000 for loans of $250,000 - $499,999
  • $3,000 for loans above $500,000

Lender

ME Bank

Cashback deal

  • $2,000 on loans above $400,000 for new purchases
  • $3,000 on loans above $700,000 for refinancers

Lender

Greater Bank

Cashback deal

  • $2,000 for loans above $250,000
  • $2,500 for loans above $500,000

Lender

Credit Union SA

Cashback deal

  • $2,000 for loans above $300,000
LenderCashback deal

IMB Bank

  • $2,000 for loans of $250,000 - $499,999
  • $3,000 for loans of $500,000 - $749,999
  • $4,000 for loans of $750,000+

ANZ

  • $2,000 for refinanced loans above $250,000
  • $3,000 for first home buyer loans above $250,000

BankVic

  • $3,000 for loans above $350,000

Newcastle Permanent

  • $2,000 for loans of $250,000 - $499,999
  • $3,000 for loans above $500,000

ME Bank

  • $2,000 on loans above $400,000 for new purchases
  • $3,000 on loans above $700,000 for refinancers

Greater Bank

  • $2,000 for loans above $250,000
  • $2,500 for loans above $500,000

Credit Union SA

  • $2,000 for loans above $300,000

Offer are current as of 1 January 2025. While this is an extensive list of the best cashback offers in Australia, we don't guarantee that all available offers are shown. Cashback offers may be withdrawn at any time. Check with the provider for full offer details, including eligible loans, exclusions, loan rates, fees, loan eligibility and any other terms and conditions to ensure the product is right for you. Offers are sorted by highest max cashback amount, then lowest eligible loan size.

Home loan refinance cashback offers – detailed breakdown

IMB Bank

  • Cashback amount: $2,000 for loans of $250,000 - $499,999; $3,000 for loans of $500,000 - $749,999; and $4,000 for loans of $750,000+
  • Conditions: To qualify, owner occupiers or investors must be refinancing an existing residential home loan from another financial institution to IMB Bank, or purchasing a residential property, with a minimum loan of $250,000 and max LVR of 80%. This makes it one of the very few cashback offers available to new home buyers, and not just refinancers. Refinance loans must be settled within 90 days of IMB accepting the application for refinance, or 180 days for new home purchases. This offer is only available on specific loans, namely the Budget Home Loan, Essentials Home Loan or Fixed Rate Home Loan. Check with IMB Bank for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 6.04% p.a. (comparison rate* 6.07% p..a.) Budget Home Loan for owner occupiers with principal and interest repayments, max LVR 80%. For fixed, 5.69% p.a. (comparison rate* 6.28% p.a.) 2 Year Fixed Rate for owner occupiers making principal and interest repayments, max LVR 95% (max LVR for cashback offer is 80%).

ANZ

  • Cashback amount: $2,500 for refinance loans of $250,000+, or $3,000 on first home buyers loans of $250,000+
  • Conditions: This offer is for external refinancers only (although ANZ has a separate $3,000 cashback offer for first home buyers – details below). External refinances exclude borrowers moving from Suncorp Bank or ANZ Plus, which are part of the ANZ Group. The other main condition is your LVR being 80% or lower. Check with ANZ for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 6.39% p.a. (comparison rate* 6.39% p.a.) Basic Variable Home Loan for owner occupiers with principal and interest repayments, max LVR 60%. For fixed, 5.74% p.a. (comparison rate* 6.94% p.a.) 2 Year Fixed Home Loan for owner occupiers making principal and interest repayments, max LVR 80% (max LVR for cashback offer is 80%).

BankVic

  • Cashback amount: $3,000 for loans above $350,000
  • Conditions: The first thing to be aware of with this $3,000 cashback offer is that only current police and emergency service workers (in any State or Territory) are eligible. So the reality is, most borrowers won’t qualify on those grounds alone. If you do qualify based on your profession, the other main eligibility criteria are that you’re refinancing a loan of $350,000 or more from a different lender (internal home loan refinances are not eligible) and that your loan-to-value ratio (LVR) is 80% or less, or purchasing a property using a loan with those characteristics. Check with BankVic for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 5.99% p.a. (comparison rate* 6.00% p.a.) Special Offer Variable Rate for owner occupiers with principal and interest repayments, max LVR 90%). For fixed, 5.49% p.a. (comparison rate* 6.03% p.a.) 2 Year Fixed Rate for owner occupiers making principal and interest (P&I) repayments and max LVR 90%) (max LVR for cashback offer is 80%)

Newcastle Permanent

  • Cashback amount: $2,000 for loans of $250,000 - $499,999 and $3,000 for loan above $500,000
  • Conditions: To get this offer, you’ll need to be refinancing a residentially secured home loan from another lender (internal refinancers don’t qualify), with a max LVR of 80%. Refinancers from Greater Bank (which is part of the same group) also don’t qualify. Bear in mind that to qualify, you’ll also need to apply through Newcastle Permanent’s online application channel. That includes the completion of digital verification of identity and gathering of financial information. Our guess is an online application is cheaper for lenders to process, so the cashback incentives customers to go down this path. Check with Newcastle Permanent for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 5.99% p.a. (comparison rate* 6.03% p..a.) Real Deal Home Loan for owner occupiers with principal and interest repayments, max LVR 80. For fixed, 5.69% p.a. (comparison rate* 7.69% p.a.) 2 Year Premium Plus Package Fixed Rate for owner occupiers making principal and interest repayments, max LVR 80%.

ME Bank

  • Cashback amount: $3,000 on refinances above $700,000; or $2,000 on new home purchases home loan of $400,000+
  • Conditions: This is the refinance cashback offer with the highest minimum loan amount required to qualify – $700,000. You’ll also need a maximum loan to value ratio of 80%. To qualify you’ll need to be refinancing from another financial institution (excluding BOQ, BOQ Specialist and Virgin Money Australia). On the plus side, it’s available on all ME Bank home loans for owner occupiers and investors. If you’re purchasing a new home with a loan amount above $400,000, the cashback on offer to eligible borrowers is $2,000. You can qualify with an LVR as high as 95% if you’re an owner occupier or 90% for investors (lender’s mortgage insurance may apply if your LVR is above 80%). Check with ME Bank for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 6.13% p.a. (comparison rate* 6.15% p.a.) Basic Home Loan for owner occupiers with principal and interest repayments, Max LVR 80%. For fixed, 5.69% p.a. (comparison rate* 6.50% p.a.) 3 Year Fixed Rate Flexible Home Loan Member Package for owner occupiers making principal and interest repayments, Max LVR 80%.

Greater Bank

  • Cashback amount: $2,000 for loans of $250,000 - $499,999, or $2,500 for loans above $500,000
  • Conditions: This offer is only for refinancers (investors or owner occupiers) moving an eligible loan to Greater Bank from another financial institution (excluding Newcastle Permanent). Specifically, you must have had your loan with the other institution for more than six months. The total amount of the loan (or combined loans) must be at least $250,000, with a maximum LVR of 80%. Check with Greater Bank for full T&Cs and eligibility criteria.
  • Lowest rates available: 5.99% p.a. (comparison rate* 6.00% p.a.) Great Rate Home Loan for owner occupiers with principal and interest repayments, max LVR 80%. For fixed, 5.69% p.a. (comparison rate* 7.60% p.a.) 3 Year Fixed Package Home Loan for owner occupiers making principal and interest repayments, max LVR 97% (max LVR for cashback offer is 80%).

Credit Union SA

  • Cashback amount: $2,000 on loans above $300,000
  • Conditions: This is another cashback offer where eligibility is limited based on the borrower’s profession. Specifically, you must be a current or retired employees of the South Australian Education Community, a student carrying out studies in education, or an eligible immediate family member as a part of the lender’s Knowledge Counts banking benefits. Beyond that, you’ll also need to be purchasing a home or refinancing from another lender, with a minimum loan amount of $300,000 and a maximum LVR of 80%. The offer is not available on construction or bridging loans. Check with Credit Union SA for full T&Cs and eligibility criteria.
  • Lowest rates available: For variable, 6.04% p.a. (comparison rate* 6.41% p.a.) Package Variable Special Offer for owner occupiers with principal and interest repayments, max LVR 60%. For fixed, 5.69% p.a. (comparison rate* 6.59% p.a.) 3 Year Fixed Package Home Loan for owner occupiers making principal and interest repayments, max LVR 97% (max LVR for cashback offer is 80%).

Offer info and rates correct as at 1 January 2025. WARNING: Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

What’s the best cashback home loan offer?

Based on our analysis of cashback offers from home loan providers on our database, we found the offers from IMB Bank, ME Bank and Newcastle Permanent represent the best value overall.

This is down to a combination of:

  • a high cashback amount
  • competitive rates on eligible loans and
  • the offers being available to a wide range of potential customers.

Please note this is our opinion only and not a product recommendation. You should consider your own circumstances and the details of each offer before deciding on which product, if any, is right for you. To inform this opinion, Money.com.au carried out a detailed comparison of cashback offers in January 2025, from the providers listed on this page. This analysis took into account the cashback amount, offer eligibility criteria, and the lowest interest rates on offer from each provider.

Cashback and other offers for first-home buyers

Eligible first-home buyers can get $3,000 cashback with an ANZ home loan of $250,000 or more. You must have an ANZ Access Advantage, ANZ Plus or ANZ One offset account at loan drawdown (which must occur within 180 days of applying). Bonus is paid after settlement.

BankVic is offering cashback of $3,000 for new home purchases with a loan amount above $350,000 and max LVR of 80%. But this offer is only for current police and emergency service workers (in any State or Territory). Check with BankVic for full T&Cs and eligibility criteria.

To qualify for this offer, you’ll also need to be purchasing a home with a minimum loan amount of $300,000 and a maximum LVR of 80%. Eligibility is also limited based on the borrower’s profession. Specifically, you must be a current or retired employees of the South Australian Education Community, a student carrying out studies in education, or an eligible immediate family member as a part of the lender’s Knowledge Counts banking benefits. The offer is not available on construction loans. Check with Credit Union SA for full T&Cs and eligibility criteria.

IMB Bank is offering cashback on new home purchases of:

    circle-green-tick
  • $2,000 for loans of $250,000 - $499,999
  • circle-green-tick
  • $3,000 for loans of $500,000 - $749,999
  • circle-green-tick
  • $4,000 for loans of $750,000+

Conditions: To qualify, owner occupiers or investors must be purchasing a residential property, with a minimum loan of $250,000 and max LVR of 80%. This offer is only available on specific loans, namely the Budget Home Loan, Essentials Home Loan or Fixed Rate Home Loan. Check with imb Bank for full T&Cs and eligibility criteria.

If you’re purchasing a new home with a loan amount above $400,000, the cashback on offer to eligible borrowers is $2,000. You can qualify with an LVR as high as 95% if you’re an owner occupier or 90% for investors (lender’s mortgage insurance may apply if your LVR is above 80%). Check with ME Bank for full T&Cs and eligibility criteria.

Available if at least one borrower is an eligible Medical Practitioner (registered with AHPRA) at time of the loan application. The loan amount must be between $250,000 and $1,500,000, with principal and interest repayments and a loan-to-value ratio (LVR) between 80.01% and 90%.

Offer applies to residential property for owner occupied or investor purpose. Pre-approvals, bridging loans, construction loans and refinances of an existing Suncorp Bank home loans are not eligible.

Eligible borrowers in selected medical, healthcare and emergency services professions could get a home loan with a 10% deposit, without paying lenders mortgage insurance. Minimum income threshold applies, as well as other terms and conditions.

What you need to know about home loan cashback offers

Home loan cashback deals are incentives some lenders and banks offer on select products to attract new customers. Currently, the majority of home loan cashback offers are for refinance home loans (people who already have a loan and are switching to a new lender), although some lenders extend those offers to first-home buyers.

Cashbacks generally range from $1,000 to $3,000 or more depending on the lender and your loan amount (e.g. Reduce Home Loans offers up to $10,000 for loans above $2 million). Cashback deals are usually a lump sum deposited into your transaction account (after the new mortgage is settled), or can come as rebates towards home loan fees.

While many banks have discontinued refinance cashback offers because they were eroding profit margins and discouraging customer loyalty, some lenders continue to offer them.

Are home loan refinance cashback offers worth it?

Cashback deals can be an attractive option for borrowers to offset the costs of refinancing. But they can end up costing you more in the long term if you set and forget your home loan. Cashback incentives encourage you to sign up for a loan for the upfront benefit, but the loan may be less competitive than what you could get elsewhere.

It's important to consider your loan's long-term value, based on the interest rate, fees and loan features combined. A higher interest rate, for example, will likely cancel out the cashback before long, sometimes within just a few months. A slightly lower interest rate might save you more money over the life of the loan compared to a one-time cashback offer.

Mansour Soltani

Mansour Soltani, Money's Home Loans Expert

“Compare the monthly repayments between the cashback lender and a lender offering a more competitive rate but without cashback. Consider how many years it would take to offset the cash bonus. If it's under 2-3 years, the lower rate is probably a better option.”

Mansour Soltani, Money's Home Loans Expert

Cashback deal vs lower rate refinance comparison

Loan amount

Refinancing with no cashback and a lower rate

$800,000

Refinancing with cashback and a higher rate

$800,000

Interest rate

Refinancing with no cashback and a lower rate

6.00%

Refinancing with cashback and a higher rate

6.25%

Cashback

Refinancing with no cashback and a lower rate

$0

Refinancing with cashback and a higher rate

$2,000

Monthly repayments

Refinancing with no cashback and a lower rate

$5,154

Refinancing with cashback and a higher rate

$5,277 (+$123)

Establishment fee

Refinancing with no cashback and a lower rate

$350

Refinancing with cashback and a higher rate

$350

Discharge fee

Refinancing with no cashback and a lower rate

$395

Refinancing with cashback and a higher rate

$395

Time it would take for interest savings to cancel out cashback

Refinancing with no cashback and a lower rate

10 months

Refinancing with cashback and a higher rate

Refinancing with no cashback and a lower rateRefinancing with cashback and a higher rate

Loan amount

$800,000

$800,000

Interest rate

6.00%

6.25%

Cashback

$0

$2,000

Monthly repayments

$5,154

$5,277 (+$123)

Establishment fee

$350

$350

Discharge fee

$395

$395

Time it would take for interest savings to cancel out cashback

10 months

Note: This is a hypothetical comparison based on a 25-year loan term and does not include all fees or charges that may apply.

Home loan cashback deals: What to watch out for

Here’s what to think about when considering any cashback offer:

  • Is the interest rate on the cashback home loan more competitive than the rate on your current loan?
  • What fees are involved (e.g. discharge fees, application fee for the new loan)? Make sure the fees and charges to set up the loan don’t eat away at most of the cashback.
  • Does the cashback home loan come with the right features (e.g. offset and redraw) and is it structured to suit your financial situation and goals? For example, fixed-rate home loans tend to come with fewer features and restrictions on making additional repayments compared to variable rate home loans which are more flexible.
  • Can you negotiate a lower interest rate or better loan terms with your existing lender without switching? If you're currently paying more than the average mortgage interest rate, your lender should be able to offer you a discount.
  • Do you have at least 20% equity in your home? If not, you may not qualify for a cashback. Consider that if your LVR was above 80%, you’d likely be charged lender's mortgage insurance (LMI) again when refinancing which would negate any savings from the cashback.

Expert tip...

Michael Burgess, Money.cpm.au Expert Mortage Broker

"Cashbacks offers can give good short-term value, they don't always work out for borrowers once you get past two years. The risk is the lender gets you in the door as a customer initially, but if something happens to your finances and you can't refinance again to another better deal, you might be stuck on a higher rate."

Michael Burgess, Money.cpm.au Expert Mortage Broker

Pros & cons of home loan refinance cashback offers

Pros
    greenTickCircle
  • Provide upfront cash injection for refinancers and can help cover switching costs
  • greenTickCircle
  • The money can be spent on virtually anything
  • greenTickCircle
  • Can incentivise borrowers to shop around for a better rate
Cons
    redCrossCircle
  • Cashback home loans may have less competitive rates and fees
  • redCrossCircle
  • Only offered by a handful of lenders, limiting your choice
  • redCrossCircle
  • Strict eligibility criteria apply (not all borrowers qualify)

Cashback offer checklist: Do you qualify?

1

Cashback offers are limited to specific borrowers

Cashback offers are usually available to eligible refinancers, including owner-occupier and investment loans. But, select lenders also offer cashback on loans for first-home buyers. Some deals may also only apply to particular loan products like variable rate home loans or package loans.

2

Cashback deals are for new customers only

Lenders usually make it so only new customers can get the cashback. So, if you’re refinancing a loan with the same lender (or even within the same network of lenders), you might not get any cashback.

3

There’s a minimum loan amount & loan-to-value ratio (LVR)

Cashback offers come with specific eligibility criteria, such as the type of loan (e.g. some lenders only offer cashbacks on owner-occupier loans, while others may extend them to investor loans as well). Typically, there’s a minimum loan amount, often $250,000 or more, and a minimum loan term. Many lenders also require a loan-to-value ratio (LVR) below 80%. Some even offer tiered cashback incentives, with higher bonuses for borrowers who take out larger loans.

4

Some cashback offers have an expiry date

Some cashback offers come with an expiration date. Generally, the home loan must be finalised (settled) by the lender’s specified deadline to qualify for the benefit. Alternatively, the offer may be open-ended but your loan must settle within a certain number of days of you applying.

5

Is the lender open to borrowers like you?

You might qualify for the cashback offer based on the loan amount you're refinancing, but remember some niche lenders are not open to all borrowers. Examples include regional banks and credit unions, or industry-specific providers. Credit UnionSA's cashback offer is only available to people linked to the education profession in South Australia, for example.

6

Other terms & conditions apply

Watch out for any other small print in the cashback offer. This might include requirements like remaining with the lender for a specified period of time after receiving the cashback or having to open a linked transaction account to be eligible.

In many cases, once the lender has paid out the cashback, it’s up to you how you want to spend it. This means you could use the funds to cover moving costs if you’re refinancing as part of a move, to renovate your home, or simply to save on interest by making a one-off lump sum repayment on your mortgage or stash it in your offset home loan account.

Other types of home loan refinance offers

Cashbacks aren’t the only refinance deals available. Here are other offers some lenders may advertise to eligible refinancers and other borrowers.
credit card 02 svg

Reward point offers

This kind of perk is more commonly associated with rewards credit cards, but a relatively new innovation in the home loan market is lenders (e.g. Qantas Money and Qudos Bank) offering reward points to customers who sign up. If you're considering this kind of offer, it's worth checking what the points would be worth when converted to gift cards. That will give you a rough idea of the offer's value compared to getting cashback.

Percent 3 svg

Discounted interest rates

Discounted home loan interest rates are another carrot being sometimes dangled in front of refinancers. The catch is generally that the lower rate is for a limited period only. Some providers offer refinancers an ongoing discount that applies progressively as you pay off the loan (i.e. every year you get an additional discount on your rate). Unloan (backed by CommBank) and Athena Home Loans are among the Australian lenders with this kind of offer.

piggy bank 02 svg

Waived home loan fees

Additionally, there are lenders in the market who will genuinely waive all fees on select home loans products to attract new customers. These are usually online lenders such as Unloan and Athena Home Loans who advertise no application fees, no ongoing fees and no discharge fees. Based on analysis by Money.com.au, a borrower could save up to $15,000 on a 30-year mortgage if all fees (including annual package fees) were waived.

luggage 02 svg

LMI waiver for professionals

Some banks and lenders have an LMI waiver for professionals in certain secure or high-paying industries. This typically includes legal and healthcare practitioners, finance and accounting professionals, etc. You may have to be a member of your industry's peak body or authority (e.g. Australian Medical Association) to apply. ANZ, NAB, and Westpac are among the lenders that offer an LMI waiver for professionals.

How to apply for a cashback home loan

Bank note 1 svg

1. Find a good cashback deal

Finding the best cashback offer you qualify for is the first step. Use comparison tables for a side-by-side view of the best deals in the market or ask your mortgage broker to source some offers you qualify for. Ensure that the interest rate on the new loan is in line with other lenders not offering cashbacks. You may have some wiggle room to negotiate a lower interest rate, depending on the lender.

file-check

2. Request a mortgage discharge form (if you’re refinancing)

If you’re refinancing, you must request a mortgage discharge form from your current lender. This is used to release the security (the property) backing the home loan. After you request a discharge form, you will typically get a call from your lender's retention team. According to Mansour, if you have a competitive interest rate offer from another lender, they will usually match it to keep your business. If you’re a first-home buyer, you’ll skip this step.

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3. Apply for the cashback loan

You can apply for a cashback home loan online via the lender’s website (it can take up to 20 minutes). Most banks and lenders will get you to verify your ID and sign all relevant documents online. Alternatively, a lending specialist will be touch to discuss your application in detail and ensure you qualify for the home loan product (and cashback). If you’re using a mortgage broker, they’ll handle the application process on your behalf from start to finish. In either case, you’ll be asked to submit your financial paperwork — usually two current payslips, three months of bank statements and a notice of assessment from the ATO.

coins-hand

4. Get your cashback

If you’re approved, the cashback will be paid into the transaction account linked to your new home loan within 30-60 days of settlement (depending on the lender). Some lenders may credit the cashback to any nominated transaction account with another bank, provided the account is in the same name(s) as the loan that qualified for the cashback offer.

Home loans guides & resources

What's the next step on your property journey? Our home loan guides will help you navigate the road ahead, whether you're buying, building or looking to save on an existing loan.

FAQs about cashback offers

No, you don’t need to report any cashback received from refinancing your investment loan on your tax return, as it relates to your borrowing rather than your investment, according to Mansour. There are no capital gains impacts either, as the cashback relates to the loan rather than the property, according to the ATO.

Generally yes, but this depends on the lender and it's worth checking the cashback offer T&Cs, as some lenders do exclude broker loans.

“Cashback home loans aren't as common as before. That’s because lenders were not making money from them. They were essentially competing by luring customers with cashback offers (the proverbial dangling carrot), but failing to keep them long-term, as they’d refinance again when another cashback offer came along. But that said, cashback home loans are not dead…yet," according to Mansour.

If you're looking for other sign-up deals, you can compare a range of cashback credit cards with Money, as well as health insurance offers for customers looking to switch.

Megan is a Finance Writer and Head of PR at Money with over a decade of industry experience. She keeps her finger on the pulse of financial trends, providing journalists and media with data, insights, and news that help Australians navigate complex topics and concepts. She's certified in Finance & Mortgage Broking and is compliant to provide general advice in Tier 1 General Insurance.

Mansour Soltani is Money.com.au’s home loans expert. He’s a mortgage broker with more than 20 years of experience in the finance and real estate industry. Mansour is the Director of Soren Financial and has been featured in publications such as the ABC, Domain.com.au and Australian Broker.

Important information

Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.

General information only

The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any home loan product is suitable for you and seek independent financial advice if necessary.

We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.

What products, features and information are shown

While we make every effort to ensure all home loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included.

Our product comparisons may not compare all home loan features and attributes relevant to you.

Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the lender.

How home loans are sorted and filtered by default

Users can easily change the sort order and apply product filters to our product comparison tables. However, when you arrive on a page initially, by default home loans are sorted by:

    circle-green-tick
  • Lowest regular repayment amount, then;
  • circle-green-tick
  • Loans interest rate, then;
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  • Lowest comparison rate, then;
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  • Provider name (A-Z)

Some home loan products listed in our tables are available through a mortgage broker. These are the products with an option to ‘Check Eligibility on Money.com.au’. Mortgage brokers may not be able to offer loans from every provider and there may be more suitable loans for your personal circumstances.

Mortgage brokers are not authorised by Money Australian Credit Licence and operate under their own Australian Credit Licence, or as a credit representative of another Australian Credit Licensee. Mortgage brokers can make recommendations about home loan products that may suit your objectives, financial situation and needs.

Our tables feature all home loans available from lenders on our database that match the search criteria selected. Lenders do not pay to feature in our tables, nor do we earn commission if you click to visit a lender’s website. The order of the products in the table is not influenced by any commercial arrangements.

If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.

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Money Pty Ltd (trading as Money) (ABN 42 626 094 773) Australian Credit Licence 528698 provides information about credit products. Money does not compare all products or issuers available in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. We may receive a commission when you apply for a home loan as a result of outbound links on this website.

This material has been prepared by Money Pty Limited (ABN 40 664 954 536) (Money, ‘us’ or ‘we’). Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C). The material is for general information only and is not an offer for the purchase or sale of any financial product or service. The material is not intended to provide you with financial or tax advice and does not take into account your objectives, financial situation or needs. Although we believe that the material is correct, no warranty of accuracy, reliability or completeness is given, except for liability under statute which cannot be excluded. Please note that past performance may not be indicative of future performance and that no guarantee of performance, the return of capital or a particular rate of return is given by 62C, Money, any of their related body corporates or any other person. To the maximum extent possible, 62C, Money, their related body corporates or any other person do not accept any liability for any statement in this material.

The information on this website is intended to be general in nature and has been prepared without considering your objectives, financial situation or needs. You should read the relevant disclosure statements or other offer documents prior to making a decision about a credit product and seek independent financial advice. Whilst Money.com.au endeavours to ensure the accuracy of the information provided on this website, no responsibility is accepted by us for any errors, omissions or any inaccurate information on this website.

Interest rates, fees and charges are subject to change without notice. Before acting on any information, you should confirm the interest rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best” these relate solely to the rates of interest offered by the provider and not on any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.

The calculator provided on money.com.au is intended for informational and illustrative purposes only. The results generated by this calculator are based on the inputs you provide and the assumptions set by us. These results should not be considered as financial advice or a recommendation to buy or sell any financial product. By using this calculator, you acknowledge and agree to the terms set out in this disclaimer. For more detailed information, please review our full terms and conditions on the website.

Assumptions:

  • The calculations do not account for changes in interest rates or other market conditions that may occur.
  • Results are approximations and may differ from actual payment schedules or amounts.
  • The calculator does not include all fees and charges that you may incur in relation to a financial product.

Limitation

  • This calculator does not guarantee the availability of any financial product or the accuracy of the calculations. Please consult a financial advisor or the relevant product provider to obtain specific advice tailored to your circumstances.
  • money.com.au does not accept any liability for errors or omissions, or for any loss you may suffer as a result of relying on these calculations.
Money Pty Ltd trading as Money

ABN: 42 626 094 773 / ACL: 528698 / AFCA: 83955
Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C)
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Money acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.

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