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?

$350k$1m$2m$3.5m$5m

Use the slider or enter the amount

Step 1 of 3 - Loan details

A few quick details

Loan Type*
Repayment Type*
Rate Type*

Please complete all options to continue

Back
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

Back
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 commission. 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

Posted on Google Google
Lauren J profile picture
Lauren J
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We recently refinanced with Mortgage Cashback and couldn't have been happier with the process or outcome. We've ended up with a much better rate, and John and his team were excellent to work with - the process was fast and painless, and there was none of the back and forth and multiple requests for additional documents we have experienced with other brokers. Highly recommend! We will be using them again.

Owner's reply
Thank you Lauren, we really appreciate this excellent feedback. Look forward to helping in the future and wish you all the best with your chosen bank this time around.
Posted on Google Google
Celia profile picture
Celia
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
John gets you the best bang for your buck. He helped us with our home loan and we could not recommend him enough, speedy replies and helpful advice!

Owner's reply
Thank you Celia. Very kind words and wishing you the very best in your new home. Glad we managed to get you that extra rate discount as well :)
Posted on Google Google
Gemma S profile picture
Gemma S
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I can’t recommend John highly enough. He is exceptional at guiding you through complex processes with ease, clarity and professionalism. He’s so much more than a mortgage broker; he’s a trusted guide who genuinely cares, takes the time to explain things, and makes what can feel overwhelming feel manageable. If you’re looking for someone knowledgeable, reliable and genuinely invested in helping you achieve your goals, John is your person. Thank you John. I couldn't have done this without you!

Owner's reply
Thank you Gemma, you are just an awesome human and it has always been a true pleasure to assist you. Thank you for such positive feedback 😁
Posted on Google Google
Nik G profile picture
Nik G
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We engaged John on a family friend's recommendation for our first mortgage application, and he was fantastic from start to finish. Very detail-oriented — once our offer was accepted, he gave us confidence in the loan amount based on our financials. He quoted 7 days for approval but got it done in just 4 days! We also made sure to have all documents ready in advance so he never had to chase us, and the process was smooth as a result. Thank you, John, for all your hard work — we'll definitely be back for our next purchase and will happily recommend you to family and friends. 😊

Owner's reply
Thank you to you and your family, am absolutely pleasure to deal with at every step. We hope you and your family are very happy in your new home and we feel privileged that you allowed us to help you in this important step! Always here to help whenever you need, as you know :)
Posted on Google Google
Dana S profile picture
Dana S
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I can’t fault my experience with John, he was incredibly attentive not just through the mortgage experience, but for the months leading up while I was looking for places. His communication was always prompt, he walked me through the whole experience, and honestly, he’s just a really nice person to work with. Highly recommend!

Owner's reply
Thank you Dana, you are just an all round excellent human and absolutely loved working with you. Good luck in your new home and you know we are always here to help whenever you need.
Posted on Google Google
Sue F profile picture
Sue F
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I have always found John Kenny a wonderful help. He’s attentive, kind, and generous with his time and expertise. He has helped me secure two homes now and I couldn’t be happier. Thanks for everything!

Owner's reply
Thank you for your kind words!
Posted on Google Google
Leanne L profile picture
Leanne L
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would highly recommend John to my friends & family. He helped me immensely from day one until the settlement date - attentive, reliable and very prompt!

Owner's reply
Hi Leanne, thank you so much for your kind review. We appreciate this very much 😊
Posted on Google Google
Thani K profile picture
Thani K
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
John was very informative and proactive about everything we needed to know and made our refinancing process very easy, professional and kind. 100% recommend John and team to my friends and family. Keep up the great work John! Thank you once again for your outstanding work :)

Owner's reply
Thank you very much for your kind words. We loved dealing with you guys and are always here to help.
Posted on Google Google
Dan H profile picture
Dan H
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Highly recommended! John helped us through the finance side of purchasing our first family home, and then stayed on top of the situation and helped us refinance to a better deal when rates started changing. The cashback every year has been a great bonus helping out with bills and certainly has added up over time.

Owner's reply
Thank you Dan, is always our pleasure to help.

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

Connect with us

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.