Mortgage
Cashback

Want a home loan that pays you cashback?

Most brokers keep getting paid after your loan settles. We do things differently. Mortgage Cashback gives you back the trailing commission from your loan each year. Want to find out what you could get back?
Hot Tip: Most people compare interest rates. Smart borrowers compare what happens after settlement
Step 1 of 3 - Your loan

Unlock your mortgage cashback

Check your cashback estimate, then compare live lender offers in one quick search.

How much do you want to borrow?

$800,000
$350k$1m$2m$3.5m$5m
Step 1 of 3 - Loan details

A few quick details

Loan Type*
Repayment Type*
Rate Type*

Please complete all options to continue

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Step 2 of 3 - About you
Tell us a bit about you

We will use this to personalise your cashback offer.

Please fill in all fields with valid details

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Step 3 of 3 - Your cashback
$1,200 - $2,200
Estimated Yearly Cashback When You Borrow $800,000

Calculated at 0.15%-0.275% p.a. of your outstanding loan balance. Actual cashback varies by lender and is paid directly to you.

What are you looking to do?

How it works

We flip the script so your mortgage pays you

Your home loan is probably already paying someone a commission. We make that someone you. The national average new home loan in Australia is approximately $740,000. That could generate up to $2,035 per year in trailing commision. On any eligible loan with us, you get that back.

Quickly tell us what you need, we will find you a great rate home loan tailored to tick all your boxes.

Apply fully online, from the comfort of your phone. But if you want to talk to a human? We're always here.

Your dedicated mortgage broker will assist with paperwork, bank jargon and getting your loan sorted as fast as possible.

Once your loan is approved you will get access to our commission dashboard where you can watch your cashback grow.

We believe borrowing should be fair, transparent and built around real lives.

More lenders means more options

We compare thousands of home loan options from over 60 lenders, obligation-free, just for you, so we can find the right for loan for your situation.

We give the trail back each year

Cashback is not tied to any lender. Regardless of who you choose, we will send the loans trail commission to you as cashback at the end of each year.*

We handle everything, so you just do you

We guide you from start to settlement, keeping things moving and making sure you always know what’s next.
Trusted by 60+ finance partners around Australia

Real Feedback From Clients We’ve Helped

Apply in minutes

Join thousands of Aussies taking control of their mortgage.

drone carrying home loan cashback funds

Frequently asked questions

A cashback mortgage broker helps you with your home loan and rebates eligible broker commission back to you. At Mortgage Cashback, we keep the upfront commission paid by the lender and refund the trail commission to you each year while it is received.

Why use Mortgage Cashback?

Mortgage Cashback helps you review eligible home loan options, supports you through the loan process and refunds broker trail commission to you each year while it is received. Your loan still comes first, and cashback is a secondary benefit.

When your eligible home loan settles, the lender may pay ongoing trail commission while the loan remains in place. Mortgage Cashback refunds that trail commission to you each year, subject to eligibility and whether trail commission is received from the lender.

Mortgage Cashback does not charge you a broker fee for our credit assistance. We are paid an upfront commission by the lender when your eligible home loan settles.

No. Cashback is a secondary benefit and does not influence which credit provider or loan we recommend. Our recommendations are based on your requirements, objectives and financial situation.

Yes, eligible refinance loans may receive yearly cashback through broker trail commission rebates. We can help you review your current loan, compare refinance options and check whether lender cashback offers are available.

Yes, eligible first home buyers may receive yearly cashback after settlement if trail commission is received from the lender. We can also help you understand first home buyer grants, schemes and lender requirements.

Yes, eligible investment loans may qualify for yearly broker trail commission rebates. Cashback amounts can vary based on your lender, loan balance, loan type and whether trail commission is received.

Your cashback amount depends on your loan balance, lender, loan type, eligibility and the trail commission received. You can use our cashback calculator to estimate what your yearly rebate may look like.

Calculate my cashback

Yes, where eligible bank cashback offers are available, we can include them in your loan review. Any bank cashback offer is separate from the yearly broker trail commission rebate.

Mortgage
Cashback

Your local home loan cashback mortgage broker

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We're here to help

Our home loan specialists will help guide you through the process and get you to your goal sooner.

Book an appointment

Experience the difference. We handle the details and fit seamlessly into your schedule.

Calculate your cashback

We get it, you’re ready to move. Calculate your cashback then we’ll tailor the best fit lending options for you.
*Best Interests & Rebate Disclosure: Our recommendation prioritises your specific objectives and financial requirements. This credit assistance is provided in your best interests based on your requirements and objectives. Separately, 100% of trailing commissions (exclusive of GST) received by us are rebated to you annually in December under our terms and conditions. This rebate is a secondary benefit and does not influence our lender selection.
  • 2026 Mortgage Cashback
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. MCB Broker Pty Ltd ATF MCB Trust trading as Mortgage Cashback (ABN 13967182620) with Credit Representative Numbers 577875 & 476788 are Credit Representatives of Australian Credit Licence 389328.