$1500 Cashback on Top of Any Lender Offer (Min. $450,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market

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$1500 Cashback on Top of Any Lender Offer (Min. $450,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market
Go to Deal
Cashback
k15866 on 09/08/2025 - 07:59 comparethemarket.com.au (252 clicks)
Last edited 09/08/2025 - 08:07 by 1 other user

Was just checking for my annual refinance cashback churn. Higher minimum loan amount compared to previous. I think ANZ is the only bank on their panel that has its own $2,000 cashback.

There is no restriction on the way you access this Offer. CTM will communicate the Offer through multiple available marketing channels and provided you are an Eligible Customer with an Eligible Loan, the Offer will be available to you.

You will need to complete and submit an eligible loan application through the CTM website and provide all supporting documentation required to enable your loan to be approved by any lender on our panel.

Terms & Conditions

Eligible Loans
The refinance of your existing loan(s) or a loan obtained by you through CTM to purchase an owner occupied or investment property provided that the minimum loan amount is $450,000 and you submit your eligible loan application via our website between 1 July to 31 August 2025 and your eligible loan settles before the end of the Offer Period.

Offer Period
Until 11:59pm, 31 October 2025

Exclusions
You will not be eligible to receive this Offer:
• If you apply and settle your loan directly with any Lender;
• If you have submitted your online application
before 1 July 2025 or after 31 August 2025;
• If your loan settles after the end of the Offer Period;
• If you have previously successfully participated in this Offer, or redeemed any other CTM home loan offer or promotion, within the 12 month period prior to applying for this Offer.

Financial Cashback Home Loan Loan Refinance

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Comments

  • Wiadro on 09/08/2025 - 08:10

    Andddds who’s giving the most away with the lowest IR

    • sghetti on 09/08/2025 - 08:20
      +3

      Yeah, the best rate showing up on their comparison was ING at 5.64% plus annual fees.

      Didn’t show any of the digital lenders at lower rates, after a year you’d barely break even with the cashback once interest is charged.

      • Lucille Bluth on 09/08/2025 - 08:23
        +1

        To add, for PPOR, I got HSBC variable 5.45%CR for P&I 30 years, $450K, redraw only as their highlighted "best deal".

        Every other deal was meh, including IMO the above HSBC one. I'd rather forgo the $1500 bonus and go to Up Bank for the same rate due to having 50 free offset accounts plus free redraw, plus an overall better app experience.

        The CTM website is shit anyway, you can't even sort by best to worse %. Which defeats the whole purpose behind a website like this - to compare.

        And as you said, they only show you a select few providers they work with. It's not a fair comparison site if they don't show what is actually the best options out there. But then again they wouldn't highlight providers where they don't get a kickback.

        • eeeee on 09/08/2025 - 10:47
          +1

          Avoid HSBC at all costs. Long and painful application / approval process.

        • grandmaster000 on 09/08/2025 - 16:46

          It is coming up as 5.74% for HSBC. Is 5.45% a special offer? How to get that?

  • kumquat on 09/08/2025 - 08:16
    +4

    I switch loans semi regularly and went compare the market and ANZ at the time, was a fairly smooth process apart from their automated identity check which didn't like my birth certificate . Got the ANZ bonus money and the cash back, no issues.

    • shmahoo on 09/08/2025 - 08:38

      I'm not criticising you, but wouldn't an annual refinance impact your credit rating?

      • Lucille Bluth on 09/08/2025 - 08:53
        +5

        I've refinanced three times in the last 18 months

        My scores - to show it has had no major impacts
        * Equifax - 1007
        * Experian - 909
        * Illinois - 875

        Scores/rating are meaningless in Australia anyway. That's an American thing. Everyone in Australia starts with a good credit score, but in terms of credit applications if you did this in the frequency I did above it likely will have negligible impact

      • star-ggg on 09/08/2025 - 10:44
        +8

        What's the point of having a super high credit rating if you're not using it to apply for credit?

      • kumquat on 09/08/2025 - 12:21
        +2

        I churn through credit cards and switch loans regularly. Never been rejected on anything. Unless you have a diabolical credit score I don't think it even gets taken into account.

  • AyTrain on 09/08/2025 - 08:27
    +1

    Lame. Broker cashback was $2,000 just over 6 months ago

    • McMaferMur on 09/08/2025 - 08:32
      +3

      I remeber they were $3000, $4000…

      • AyTrain on 09/08/2025 - 08:42
        +1

        I member

    • impoze on 09/08/2025 - 09:08

      Will $2000 even cover the fees to churn?

      • McMaferMur on 09/08/2025 - 09:20
        +2

        I think so. Discharged fees are like $400

  • swiggity123 on 09/08/2025 - 10:01

    Hmm pretty high rates, ill stick with my 5.19% variable

    • Trishool on 09/08/2025 - 11:00
      +1

      Where from?

      • Lucille Bluth on 09/08/2025 - 15:28

        Last Seen
        52 min ago

        Guess he doesn't want anyone to know.

    • grandmaster000 on 09/08/2025 - 12:40
      +1

      5.19??? Who is the lender?

  • itslittfam on 09/08/2025 - 10:22
    +2

    Did it a couple months ago with CTM. Got the $2k cashback from CTM and $2k cashback from ANZ a couple weeks after settlement which was great. Overall had mixed feelings with them, CTM asked a lot of information at the start (e.g. transaction accounts where you do all the spending as well as credit card statements for all active/inactive accounts for the last 90 days). If your monthly expenditure you state or estimate in the initial loan application form don't align with your statements you provide or if the spending is too low, they won't proceed until it does or if it's reasonable enough. That was truly annoying as I churn through credit cards and had to dig up a statement from a credit card I had already closed. IDK if that's a norm now, but I had a smoother experience going through an independent broker. Obviously, got $2k from them at the end of it, so not complaining too much but just a heads up as it's a more painful experience than normal if you have multiple transaction/credit card accounts.

    • bin555 on 09/08/2025 - 14:21

      What rate ANZ offer you?

      • itslittfam on 09/08/2025 - 16:22

        5.94% investment (after recent rate cut)

        • bin555 on 09/08/2025 - 16:37

          Thanks

        • Ag88 on 10/08/2025 - 13:56

          Is that P&I for investment?

        • Makaveli99 on 10/08/2025 - 16:35

          5.94 P&I for investment is not bad, bit nice

  • ozzieozzieozzie on 10/08/2025 - 18:29
    +1

    Police Credit Union 4.99%
    https://www.policecu.com.au/loans/home-loans/

    • summer1 on 11/08/2025 - 11:46

      Would be good if this lender is also available via refinancing here - would be an added bonus cashback.

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