A home loan is a loan from a financial institution to help you purchase property. You repay the loan with interest over a fixed term, typically 25-30 years.

What is a cashback home loan?

A cashback home loan offers a cash incentive from the lender when you take out the loan, typically as a percentage of the loan amount or a fixed sum.

Home Loan Cashback Offers

Compare the latest cashback offers from Australia's leading lenders. Find deals that can save you thousands of dollars on your home loan.

Up to $4,000 Cashback

Verified Offers

Updated Regularly

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8 offers found

Cashback Offer

$4,000

Upon settlement

Queensland Country Bank

Variable

Ultimate Home Loan Package (Variable)

Interest Rate p.a.

5.44%

Comparison Rate p.a.

5.79%

Annual fee: $395

Min loan: $300,000

Max LVR: 80%

Owner-occupierInvestorRefinance

Special requirement: Refinance only. Must switch from another lender. Minimum loan $300,000. Maximum LVR 80%. $395 annual package fee applies. Offset account and credit ca…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

Up to $3,000

$250,000 – $499,999$2,000

$500,000+$3,000

Settled within 180 days

IMB Bank

Variable

Budget Home Loan

Interest Rate p.a.

5.54%

Comparison Rate p.a.

5.57%

Annual fee: No annual fee

Min loan: $250,000

Max LVR: 80%

Settle within: 180 days

Owner-occupierInvestorPurchaseRefinance

Special requirement: Tiered cashback: $2,000 for loans $250,000–$499,999; $3,000 for loans $500,000 and above. Available for eligible new purchases and refinances. Refinan…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

$3,000

Settled within 120 days

ME Bank

Variable

Flexible Home Loan with Member Package

Interest Rate p.a.

5.64%

Comparison Rate p.a.

6.04%

Annual fee: $395

Min loan: $700,000

Max LVR: 80%

Settle within: 120 days

Owner-occupierInvestorRefinance

Special requirement: Refinance only. Must switch from another lender outside the BOQ Group (excludes BOQ, BOQ Specialist, and Virgin Money Australia). Minimum loan $700,00…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

Up to $3,000

$250,000 – $499,999$2,000

$500,000+$3,000

Upon settlement

Newcastle Permanent

Variable

Real Deal Home Loan

Interest Rate p.a.

5.49%

Comparison Rate p.a.

5.53%

Annual fee: No annual fee

Min loan: $250,000

Max LVR: 80%

Owner-occupierInvestorPurchaseRefinance

Special requirement: Tiered cashback: $2,000 for loans $250,000–$499,999; $3,000 for loans $500,000 and above. Online application required. Available for new purchases and…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

Up to $3,000

$250,000 – $499,999$2,500

$500,000+$3,000

Upon settlement

Greater Bank

Variable

Great Rate Home Loan (Digital)

Interest Rate p.a.

5.44%

Comparison Rate p.a.

5.45%

Annual fee: No annual fee

Min loan: $250,000

Max LVR: 80%

Owner-occupierInvestorPurchaseRefinance

Special requirement: Tiered cashback: $2,500 for loans $250,000–$499,999; $3,000 for loans $500,000 and above. Online application only via the Greater Bank Digital Home Lo…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

Up to $2,500

$250,000 – $499,999$2,000

$500,000+$2,500

Upon settlement

Greater Bank

Variable

Great Rate Home Loan

Interest Rate p.a.

5.44%

Comparison Rate p.a.

5.45%

Annual fee: No annual fee

Min loan: $250,000

Max LVR: 80%

Owner-occupierInvestorRefinance

Special requirement: Tiered cashback: $2,000 for loans $250,000–$499,999; $2,500 for loans $500,000 and above. Application must be submitted via a Greater Bank lender (bra…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

$2,500

Settled within 180 days

BankVic

Variable

Variable Rate Home Loan

Interest Rate p.a.

5.60%

Comparison Rate p.a.

5.61%

Annual fee: No annual fee

Min loan: $350,000

Max LVR: 80%

Settle within: 180 days

Owner-occupierInvestorPurchaseRefinance

Special requirement: BankVic membership required. Available to police, emergency services, health workers, government employees, and immediate family of existing members.…

Offer expires:Until further notice

Apply Now View T&Cs

Cashback Offer

$2,000

Settled within 120 days

Bank of Queensland

Variable

Economy Variable Home Loan

Interest Rate p.a.

5.58%

Comparison Rate p.a.

5.73%

Annual fee: No annual fee

Min loan: $400,000

Max LVR: 80%

Settle within: 120 days

Owner-occupierInvestorRefinance

Special requirement: Refinance only. Must switch from another lender outside the BOQ Group (excludes BOQ Specialist, ME Bank, and Virgin Money Australia). Applications mus…

Offer expires:31 Mar 2026

Apply Now View T&Cs

Disclaimer: Cashback amounts and eligibility criteria are subject to change. Please verify current terms and conditions with individual lenders. Comparison rates shown are based on a loan of $150,000 over 25 years.

How Cashback Offers Work

Understanding home loan cashback offers helps you make informed decisions and maximise your savings.

What is Cashback?

A lump sum payment from your lender after your loan settles. It can help offset costs like legal fees and mortgage brokers.

Time Limits

Most cashback offers require settlement within a specified timeframe, typically 60-120 days from application.

Compare Total Costs

Don't just look at interest rates. Factor in cashback amounts when comparing the total cost of different loans.

Cashback Offers Disclosure

How We Source and Verify Cashback Offers

At comparefair.com.au, we ensure our cashback offer information is accurate and up-to-date:

Source: We gather cashback offer data directly from lenders and reputable mortgage brokers.

Updates: Offers are refreshed to reflect current promotions and availability. Please contact us if an update is required.

Eligibility: Specific criteria apply to each offer including loan amount, property type, and applicant requirements.

Terms: Cashback amounts and conditions subject to change. Always verify current terms with the lender.

Timing: Most cashback payments are made within 30-90 days of loan settlement.

We are an independent comparison platform and do not receive commissions for offer placement or ranking.

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Cashback Offers Disclosure

How We Source and Verify Cashback Offers

At comparefair.com.au, we ensure our cashback offer information is accurate and up-to-date:

Source: We gather cashback offer data directly from lenders and reputable mortgage brokers.

Updates: Offers are refreshed to reflect current promotions and availability. Please contact us if an update is required.

Eligibility: Specific criteria apply to each offer including loan amount, property type, and applicant requirements.

Terms: Cashback amounts and conditions subject to change. Always verify current terms with the lender.

Timing: Most cashback payments are made within 30-90 days of loan settlement.

We are an independent comparison platform and do not receive commissions for offer placement or ranking.

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Home Loan Cashback Offers

Queensland Country Bank

IMB Bank

ME Bank

Newcastle Permanent

Greater Bank

Greater Bank

BankVic

Bank of Queensland

How Cashback Offers Work

What is Cashback?

Time Limits

Compare Total Costs

Cashback Offers Disclosure

How We Source and Verify Cashback Offers

Home Loan Cashback Offers

Queensland Country Bank

IMB Bank

ME Bank

Newcastle Permanent

Greater Bank

Greater Bank

BankVic

Bank of Queensland

How Cashback Offers Work

What is Cashback?

Time Limits

Compare Total Costs

Cashback Offers Disclosure

How We Source and Verify Cashback Offers