Compare all owner-occupier rates
Offer register reviewed 30 August 2026
Which current home loan cashback offers are approved?
A cashback can offset switching costs, but eligibility, minimum loan sizes, LVR limits and settlement dates vary. Only offers in the dated approved register are highlighted; compare the ongoing loan cost separately from the one-off payment.
The full offer register and the cashback-versus-rate test are on refinance and home loan cashback offers.
The largest cashback amount in the approved offer register is $3,000, listed by ANZ and ME. The register was reviewed 30 August 2026, with active dates checked 24 September 2026. Eligibility, minimum loan sizes, LVR limits and end dates differ. The register does not establish a lowest cashback-linked rate.
Reviewed by the Ratesniffers Editorial Team. No unsupported scenario-specific rate is promoted in this answer.
Approved cashback offers
| Lender | Offer | Amount | Conditions | End date |
|---|---|---|---|---|
| ANZ | First Home Buyer Boost | $3,000 | First home buyers; LMI waiver and Australian Government Guarantee Scheme applications are not eligible | No end date supplied |
| ME | Refinance cashback | $3,000 | Minimum loan $700,000; Maximum 80% LVR; Refinance applications | 28 February 2027 |
| Bank of China | Refinance or purchase cashback | $2,500+ | Minimum loan $400,000; Maximum 80% LVR; Loan must settle by 31 December 2026 | 30 September 2026 |
| Credit Union SA | Eligible member cashback | $2,000 | Education, Power Network or Port Adelaide Football Club eligibility; Minimum loan $300,000; Maximum 80% LVR | No end date supplied |
| ME | LMI cashback | $2,000 | Minimum loan $400,000; LVR above 80% and up to 95%; LMI must be payable on the loan | No end date supplied |
| BCU | Essential Services rebate | $1,500 | Eligible essential-services customers; Minimum loan $250,000; Maximum 80% LVR; Purchase or refinance | No end date supplied |
| P&N Bank | Bond Group rebate | $1,500 | Eligible essential-services customers; Minimum loan $250,000; Maximum 80% LVR; Purchase or refinance | No end date supplied |
| People First Bank | Upfront home-loan rebate | $1,000 | Minimum loan $600,000; Maximum 80% LVR; Refinance applications only | 31 January 2027 |
Only active cashback amounts in the approved register are shown. Conditions apply; no displayed offer is paired to a product rate on this page.
Frequently asked questions
Which current home loan cashback offers are approved?
The largest cashback amount in the approved offer register is $3,000, listed by ANZ and ME. The register was reviewed 30 August 2026, with active dates checked 24 September 2026. Eligibility, minimum loan sizes, LVR limits and end dates differ. The register does not establish a lowest cashback-linked rate.
How often are these rates updated?
Promoted rate claims use the verified 80% LVR snapshot dated 27 August 2026. Broader comparison-table rows may refresh more frequently, but they do not drive the answer capsule, metadata or sticky rate.
Is the lowest rate always the best loan for me?
Not always. The cheapest headline rate can come without features like an offset account, and your deposit size, income type and goals all change which loan suits you. Use the rate as a starting point, then weigh the features that matter to your situation.
What is a comparison rate?
A comparison rate folds most ongoing fees into a single percentage so you can weigh loans on their true cost rather than the advertised headline rate alone. It is the metric these rankings sort on.