Compare all owner-occupier rates
Offer register reviewed 20 October 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.
Calculate the value of a cashback quote or see the full register of 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 20 October 2026, with active dates checked 12 November 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
Which home loan cashback offers fit my loan?
Screen the approved offers by loan purpose, loan amount and loan-to-value ratio. The shortlist shows offers whose stated criteria match and flags offers whose purpose is unclear. Confirm the other conditions, deadlines and eligibility with the lender before relying on a cashback amount.
| 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 between 1 January 2027 and 31 March 2027 | 31 December 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 |
Only active cashback amounts in the approved register are shown. Conditions apply; no displayed offer is paired to a product rate on this page.
Add up the interest and fees for each loan over the same time. Subtract any cashback you can keep. For example, if the cashback loan costs $2,400 more in interest and fees and you can keep $2,000, that loan still costs $400 more over the period. The figures illustrate the calculation.
Home loan cashback calculator
Compare a written cashback quote against a quote without cashback. See how much cash would offset any extra interest and fees at different holding periods.
Model limits: This uses constant annual interest rates and monthly amortisation; it does not model a fixed-rate expiry or an interest-rate reset. Fees are paid separately. Ongoing fees are assumed unchanged and charged monthly. Include any annual package fee as a monthly equivalent; this does not model its actual annual due date. Fees not entered, including package, exit and break fees, are excluded. The model also excludes offsets, redraw, extra repayments, rate changes, fee changes, other refunds and taxes. Lenders may calculate interest daily and charge fees differently. Compare actual lender quotes and eligibility. This is not the statutory comparison rate, which uses a standard $150,000 loan over 25 years.
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 20 October 2026, with active dates checked 12 November 2026. Eligibility, minimum loan sizes, LVR limits and end dates differ. The register does not establish a lowest cashback-linked rate.
Which home loan cashback offers fit my loan?
Screen the approved offers by loan purpose, loan amount and loan-to-value ratio. The shortlist shows offers whose stated criteria match and flags offers whose purpose is unclear. Confirm the other conditions, deadlines and eligibility with the lender before relying on a cashback amount.
How do I compare cashback with a lower home loan rate?
Compare the interest and fees on both written quotes for the same balance, term and holding period. Subtract the cashback you can keep from the cost of the cashback quote. The calculator shows how much cashback would cover any extra cost and how the result changes over time.
When should I include cashback in a refinance comparison?
Check when the lender pays the cashback and whether leaving the loan early means repaying it. Count it only for holding periods when you expect to have received it and can keep it. Confirm eligibility and both dates against the lender's written offer terms.