Home Loan Deals Australia

Here's an easy $500 for basically doing nothing but sharing a link.

• Refer a friend to Unloan through Finder using your unique referral link
• You'll score $500 when they refinance, and there's no limit on how many mates you can refer
• Just log into your Finder dashboard to grab your link and start sharing

If you're refinancing or buying before year's end, Bank of China is throwing $2,888 cashback at you — and that's before the extra broker bonus kicks in.

• Owner occupiers paying principal & interest get 5.93% p.a. (6.31% comparison rate) on loans $100k+
• Investors on interest-only score 6.33% p.a. (6.53% comparison rate) for loans $250k+
• Stack the broker cashback on top ($101 per $100k) and a $600k loan lands you around $3,494 total
• Apply between 1 Oct and 31 Dec 2026, settle by 31 Mar 2027, and hold the loan through the clawback period (18–24 months)

First-year annual fee is $0 if you set up direct debit from a BOC account, and it's a free broker service — so you've got nothing to lose by asking Sach at Rannar Loans (0479 181 437) whether this stacks up against your current lender.

If you're refinancing an owner-occupied home loan, this MyState Bank offer is worth a serious look — 5.99% p.a. variable (6.04% comparison rate) with $650 in upfront fees wiped clean.

• Up to 70% LVR, owner-occupied P&I, eligible new refinances (applications 27 Aug – 18 Dec 2026)
• Stack it with broker cashback: $101 per $100k of loan balance — so a $700k refinance gets you $707 cashback
• That's $650 fee waiver + $707 cashback = $1,357 total benefit on a $700k loan

Other cashbacks might look bigger (ME Bank's $3,000, ANZ's $3,000 first home buyer bonus), but the real comparison is rate + fees + cashback + features — don't just chase the headline number. Cashback is paid in two instalments at months 12 and 24 (min $400k loan, must stay in the loan through the clawback period).

Want to see how your current loan stacks up? DM Sach your balance, rate and property value — or call 0479 181 437. Eligibility, lending criteria and clawback periods apply; rates subject to change.

Getting a mortgage review? You might as well get paid $50 just for asking!

• Score a free $50 prepaid gift card for the first 40 qualified home loan enquiries at Lokie Group
• Unlock extra settlement rewards from $200 up to $500 depending on your loan amount
• Compare top lender perks like cashbacks up to $3,000 or zero annual fees

Just chat with Marco to review your options and lock in your spot!

Looking to refinance or buy a property? Roopali from Lending Workshop is offering a massive broker cashback of up to $6,000 on top of any bank cashbacks—meaning you could pocket up to $10,000 total!

• Broker Cashback: Get $2,000 to $6,000 back (for loans starting from $500,000), paid out at 13 and 25 months.
• Competitive Rates: Variable rates starting from 5.88% p.a. (Comparison Rate 6.08%) for owner-occupiers.
• Expert Help: Deal with an ex-banker with 15+ years of experience—book a free, no-obligation chat to see how much you can save!

Want an easy grand? Refer a mate to Athena Home Loan and you'll both pocket a massive $1,000 cash credit when their loan settles!

• Get $1,000 each for loans settling at $350k and above
• Still score $250 each if the loan is under $350k
• There's zero limit on how many mates you can refer, so spread the wealth!

Time to give your mortgage a health check because Bank Australia just dropped a seriously hot refinancing rate with a sub-6% deal!

• Snag a sweet 5.95% p.a. variable rate (6.14% CR) with full offset features for owner-occupier P&I up to 80% LVR.
• Enjoy $0 application, valuation, legal, and settlement fees, plus the $199 annual fee covered completely for the first 2 years.
• Set up unlimited offset accounts to help crush your interest faster.
• Exclusive OzBargain perk: work directly with experienced broker James Sim (over 188 five-star reviews!) with zero broker fees.

Just make sure you get your external refinance funded by 30 October 2026 to lock it in!

If you’re looking at refinancing or taking out a new home loan, you could pocket up to $10,000 in total cashback with this massive offer from Lending Workshop! By combining a potential $4,000 bank incentive with Roopali’s exclusive broker cashback, you can significantly lower your effective costs.

• Get up to $6,000 extra back directly from the broker (plus any available bank cashback).
• Cashback tiers: $2k for loans over $500k, $3k for $750k+, $4k for $1M+, and $6k for $1.5M+.
• Expert guidance: Benefit from 15+ years of banking experience to help you find competitive rates starting from 5.84% p.a.
• Easy start: Book a free, no-obligation appointment via this link to see how much you could save on your specific mortgage.

General advice warning applies; please check the full terms and conditions to ensure this deal fits your financial situation.

Looking to refinance or buy a new property? You can score a massive $4,888 in combined cash back—$2,888 from Bank of China plus an extra $2,000 broker reward—when you take out a loan of at least $400k.

• Big Savings: Get $2,888 cash back from the bank plus an exclusive $2,000 broker bonus.
• Great Rates: Variable rates starting from just 5.88% (5.93%–6.13% CR) for owner-occupiers.
• Bonus Perk: Enjoy a first-year annual fee waiver when you set up direct debits.
• Act Fast: You’ll need to submit your application between 1 July 2026 and 30 September 2026 to lock this in.

Reach out to Arman at Lending Clinic (0431 825 128) to get started and quote this offer to secure your cash back!

Calling all frontline heroes—if you're looking to save on your mortgage, this is a massive deal from Unity Bank designed specifically for essential workers. You’re looking at a super competitive 5.80% p.a. variable rate that includes all the bells and whistles without the hidden costs.

• Big perks: Enjoy a 100% offset account, unlimited redraws, and zero monthly or establishment fees.
• Extra cash: They’ll even chip in up to $1,000 towards your third-party costs.
• Flexible assessment: If you’re a nurse, teacher, police officer, or other essential worker, they may assess 100% of your overtime and shift allowances.
• Great LVR: You can borrow up to 95% LVR for this new loan or refinance.

If you’ve been thinking about switching up your home loan, now is the perfect time to check out IMB Bank’s latest refinance offer. You could pocket some serious cash just for making the move:

• $2,000 back for loans between $250k–$499k
• $3,000 back for loans between $500k–$749k
• $4,000 back for loans of $750k or more

It’s a great way to put some extra money back in your pocket, provided you’re happy to stick with them for at least a year. Definitely worth reviewing your current rates to see if you can snag these savings!

Looking to switch up your home loan? You can pocket a massive $5,000 total cashback by refinancing with ME Bank through Lending Clinic!

• The Big Payout: Get $3,000 from ME Bank (for loans over $700k, LVR up to 80%) plus an extra $2,000 cash back from the broker.
• Why it’s a winner: Enjoy competitive variable rates starting from 5.83% and the flexibility of up to 10 offset accounts.
• Act Fast: This offer is available for applications submitted between 1 May 2026 and 28 August 2026.

Reach out to Arman at Lending Clinic (0431 825 128) to lock this in—they might even be able to snag you a better rate than what’s listed online!

If you’re looking to refinance or take out a new home loan, you can pocket up to $6,000 in extra cash back on top of standard bank incentives with this offer from Lending Workshop.

• Double the Reward: Get a broker cashback of $2,000 to $6,000 (based on your loan amount), plus up to $3,000 in bank cashback.
• Competitive Rates: Secure variable rates as low as 5.54% (Comparison Rate 5.55%) for eligible large loans.
• Expertise You Can Trust: Managed by an ex-banker with 14+ years of experience to help you find the best deal.

Ready to see how much you could save? Book an obligation-free appointment via the link in the post or give Roopali a call on 0415 719 759 to get started!

If you’re an essential worker looking to slash your mortgage costs, this G&C Mutual Bank offer is a fantastic way to refinance or secure a new home loan. You'll benefit from a competitive 5.60% p.a. variable rate (5.65% p.a. CR) with absolutely no ongoing fees to worry about.

Here is why this deal is a winner:

• 100% offset account included to help you pay off your loan faster.
• Up to $1,000 covered for your initial third-party costs.
• Flexible features like unlimited redraws and extra repayments.
• Great for frontline workers (nurses, teachers, police, emergency services, etc.) with potential for 100% assessment of your overtime and shift allowances.

If you’ve been waiting for the Big Four to bring back refinance cashbacks, it’s time to look elsewhere! You can score up to $4,000 in cashback by switching to one of these regional or customer-owned banks, but make sure to run the numbers on your interest rate first.

• Biggest Payday: Up to $4,000 cashback available via Queensland Country Bank and Police Bank.
• Top Contenders: Other solid offers from Newcastle Permanent, IMB, ME Bank, BOQ, and more.
• Pro-Tip: Check your loan size and settlement deadlines, and watch out for the standard 24-month "clawback" period—IMB is a rare standout with only 12 months!

Click through to the lenders' sites to compare the T&Cs and see which deal puts the most cash in your pocket.

Stop overpaying on your home loan! While most banks are hiking rates, Bank of China is holding the line with a competitive 5.43% p.a. variable rate, and you can pocket a massive cash bonus on top.

• Big Cash Back: Get $2,888 from the bank plus extra broker cashback ($101 per $100k of your loan).
• Lower Rates: Lock in 5.43% (OO) variable, which is significantly lower than the current market average.
• Added Perks: Offset accounts are available, and you get your first-year annual fee waived with a direct debit.

Apply by 30 April 2026 to secure this rate and get your cashback journey started. Contact Sach at Rannar Loans on 0479 181 437 to see how much you can save!

If you’re looking to refinance or purchase a property, you can pocket a massive $4,888 in combined cashback with this exclusive Bank of China deal! By combining the bank's offer with the broker’s incentive, you'll secure a competitive rate while putting serious cash back in your pocket.

• Total $4,888 Cashback: Get $2,888 from the bank plus an extra $2,000 in broker cashback (for loans of $400k+).
• Great Rates: Owner-occupied rates start at 5.63% (CR 5.84%) and investment I/O at 5.83% (CR 6.03%).
• Added Perks: Enjoy a first-year annual fee waiver and competitive fixed-rate options.
• Act Fast: You must apply between 01/04/2026 and 30/06/2026 and settle by 30/09/2026—just remember to quote this offer when you contact Lending Clinic!

🚨 HOT DEAL ALERT! ANZ has temporarily slashed their 2-Year Fixed Home Loan rate, and you can lock in from a brilliant 5.62% p.a. for owner-occupiers (70% LVR).

• This is significantly undercutting the market right now, saving you serious dough compared to other major lenders hovering around 5.8%-6.1%!
• Plus, if your loan is over $500k and you go through Soren Financial, they'll even cover that $750 rate lock fee for you—how good is that?
• Don't snooze on this; run a quick, obligation-free eligibility check by emailing them at startnow@sorenfinancial.com!

Ready to pocket some serious cash just by switching your mortgage?

• Grab a massive $6,000 total cashback when you refinance to ME Bank with a loan of $700k or more—that's $3k from ME Bank PLUS $3k from us!
• You might even snag fantastic negotiated rates, with clients recently securing variable rates as low as 5.29% owner-occupied.
• Don't wait around; this ongoing offer is your chance to boost your savings immediately, so reach out today!

Stop scrolling, Aussie property owners! You can put serious cash back in your pocket with this massive mortgage broker cashback deal.

• Get paid up to $6,000 just for sorting out your home loan, on top of potential bank cashbacks up to $4,000!
• Imagine walking away with $7,000 total cashback like these recent clients did on their $850k and $1.5M loans.
• Secure a top rate through negotiation by an ex-banker with 14+ years of experience—it’s time to make your money work harder for you.

Don't miss out—book an obligation-free chat now to see what cashback you qualify for!

Don't miss out on this massive Bank of China home loan offer! You can grab a $2,888 cashback plus a first-year fee waiver when you refinance or buy, with owner-occupied variable rates starting at just 5.18% (CR 5.38%). On top of that, we'll add an extra 0.10% broker cashback spread over two years—but you need to apply by 31 March 2026!

Mate, you seriously need to check out this home loan refinance deal from Queensland Country Bank – you could score a massive $4,000 cashback!

• This offer is for their Ultimate Home Loan Package, featuring a sharp 5.19% p.a. rate (minimum $300k loan needed).
• While there’s a $395 annual fee, getting four grand back makes the math look fantastic if you're refinancing now.
• Don't wait too long; this is a cracker deal for permanent residents looking to switch lenders!

Spring into action with this cracking home loan deal from Geelong Bank – you can lock in a variable rate of just 4.99% P&I! This fantastic offer is perfect if you're looking to buy or refinance with an 80% LVR and a minimum $250k loan, and the best part?

• You get a FREE Offset Account included.
• Zero Annual or Monthly Fees to keep your costs down.
• Grab this deal now; there's no construction loan option, but with those low rates, why wait?

Dreaming of that first Aussie home without the bank drama? You can lock in an insane 4.99% p.a. interest rate with Horizon Bank—and they've stripped out all the sneaky fees!

• Zero Fees: Seriously, we're talking NO establishment, annual, valuation, or early break fees.
• Sweet Bonus: Get an optional 100% offset account included, perfect for smashing down your mortgage faster.
• This is a cracker deal for owner-occupiers with LVR 70% or less, so stop trawling Canstar and grab this rate before it changes!