Mortgage
Cashback

About Mortgage Cashback

Mortgage Cashback is a cash back mortgage broker helping Australians get more back from their home loan. We keep the upfront commission and give you back 100% of the trail commission we receive each year as a lump sum payment.

What we do

A cashback mortgage broker built around you

Mortgage Cashback was created for borrowers who want a fairer way to use a mortgage broker.
  • You still get help reviewing home loan options.
  • You still get support through the application and settlement process.
  • You still have someone helping you understand lender requirements, paperwork and the path to approval.

The difference is what happens after settlement.

When your eligible loan is in place, the lender may pay ongoing trail commission to the broker. Most brokers keep that money. Mortgage Cashback gives 100% of the trail commission we receive back to you each year as cashback.
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.

*Terms and conditions apply

Why borrowers choose Mortgage Cashback

Your loan still comes first. Cashback never drives the loan recommendations we make. The commission rebate is a secondary benefit.

That means we focus on finding a loan that suits your needs first. The cashback comes after, if your eligible loan settles through Mortgage Cashback and trail commission is received.

100% trail commission rebate

We refund broker trail commission to you each year while your eligible home loan remains in place and trail commission is received.

No broker fees

We do not charge broker fees. We are paid upfront by the lender when your eligible loan settles.

Lender comparison

We help you compare home loan options from a panel of Australian lenders based on your goals, financial position and borrowing needs.

Bank cashback offers

Where eligible bank cashback offers are available, we can help you review them as part of your home loan options.

Clear commission model

We explain how we are paid, how trail commission works and how your yearly cashback is calculated before you proceed.

Home loans should give more back

A home loan is a big commitment. So if your loan is already generating ongoing broker commission, we think that money should come back to you.

That is the Mortgage Cashback difference.

We help you get your home loan sorted, then give you back the trail commission we receive each year as cashback.

What we help with

Mortgage Cashback helps Australians with a wide range of home loan needs, including:

  • First home buyer loans
  • Refinance home loans
  • Investment property loans
  • Owner occupied home loans
  • Home loan reviews
  • Bank cashback offers when available
  • Mortgage broker commission rebates
  • Yearly home loan cashback

Whether you are buying your first home, refinancing your current loan or looking at an investment property, we help you understand your options and how the cashback model may apply.

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.
1300 276 640

Book an appointment

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

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.
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*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.