Mortgage
Cashback

Stop letting your home loan cashback go to someone else

Many home loans pay ongoing trail commission to brokers after settlement. Mortgage Cashback rebates 100% of the eligible trail commission received by us back to you, each year.

In less than 60 seconds, you could calculate your estimated cashback, compare indicative loan options and see whether switching could make sense for you. So what are you waiting for?
  • Less than 60 seconds
  • No credit checks
  • Live bank rates
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

Oh, you like reading? Ok, here's what makes this different.

Banks may offer cashback once. We pay it every year
Some lenders offer one-off cashback incentives to eligible borrowers. Where a suitable loan option also includes an eligible bank cashback offer, that lender cashback may be available in addition to the yearly broker trail commission rebate from Mortgage Cashback.

Bank cashback offers are separate from our cashback rebate and are subject to lender eligibility, timing and terms.
We do not make cashback the reason to choose a loan
A bigger cashback estimate does not mean a better loan for your situation.

We consider your objectives, financial situation and requirements first. Cashback is treated as a secondary benefit and does not influence which credit provider or loan we recommend.
You still get end-to-end broker support plus more
You are not left to work it out alone. A broker can help you compare options, understand repayments, review lender requirements and move through the application process.

And this won't stop with your first loan. Future refinances, loan increases, equity releases or additional eligible loans could also add to your yearly cashback, where trail commission is received by us.

Faster than making a coffee

You made it this far, what's 60 seconds more? Join thousands of Aussies taking control of their mortgage. Check your cashback, compare loan options and see whether switching could send that money back to you.*

Calculate your cashback
drone carrying home loan cashback funds

Real Feedback From Clients We’ve Helped

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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*Best Interests & Rebate Disclosure: Our credit assistance is provided in your best interests and is based on your requirements, objectives and financial situation. Separately, 100% of eligible trailing commissions received by us, exclusive of GST, 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. Cashback is subject to eligibility, loan approval, settlement, trail commission being received by Mortgage Cashback, and our terms and conditions. Cashback estimates are indicative only and are not a loan recommendation, loan approval or guaranteed amount. Switching loans may not be suitable for everyone and should be assessed against your requirements, objectives and financial situation.
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.