Mortgage
Cashback

Refinance

Refinance your home loan and get cash back yearly

Refinancing could help you review your rate, repayments and loan structure. Mortgage Cashback helps you compare refinance options and refunds the broker trail commission to you each year while it is received on your eligible home loan.
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

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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.

Why Refinance With Us

Switch your loan. Keep more coming back.

Your home loan should still suit the way you live, earn and plan. Over time, your rate, repayments, equity position and loan features can fall out of step with your needs.

Refinancing gives you a chance to compare your current loan against other options. You may be able to reduce repayments, change your loan structure, access equity, consolidate debts or move to a lender with features that suit your next stage.

With Mortgage Cashback, refinancing can also give you access to yearly broker trail commission rebates. We keep the upfront commission and refund the trail commission to you each year while it is received.
step 1

Review your loan

We look at your current rate, repayments, loan balance, fees and loan features.
Step 2

Compare options

We compare refinance options across our lender panel and check eligible bank cashback offers when available.
STEP 3

Apply and switch

We help prepare your refinance application and manage the process through to settlement.
STEP 4

Get paid yearly

Once eligible, we refund the broker trail commission to you each year while it is received.

4 reasons to switch your home loan

Your home loan should keep working for you after settlement. Refinancing can help you review your rate, repayments, loan features and cashback opportunities to see whether a different loan may better suit your current position.

Lower your repayments

A different rate or loan structure may help reduce your regular home loan repayments.

Improve your loan structure

Refinancing can help align your loan with your current income, goals and property plans.

Access available equity

You may be able to use equity for renovations, investment, debt consolidation or other approved purposes.

Receive yearly cashback

Mortgage Cashback refunds broker trail commission to you each year on eligible loans while it is received.

Reviews From Homeowners 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.

Home Loan Refinance FAQs

You may consider refinancing if your rate is no longer competitive, your repayments feel high, your fixed rate is ending, or your loan no longer suits your needs.

Some refinance costs may apply, such as discharge fees, government fees, valuation costs or lender fees. Mortgage Cashback does not charge broker fees.

Yes, eligible borrowers may receive yearly broker trail commission rebates through Mortgage Cashback. You may also be able to access eligible bank cashback offers when available.

Yes, refinancing may allow you to consolidate eligible debts into your home loan. This may reduce monthly repayments, but it can increase total interest over the loan term, so the full cost should be considered.

Timeframes vary depending on the lender, your documents, valuation requirements and application complexity. We help keep the process moving and explain each step.

Mortgage
Cashback

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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.