Home Loan +

Home Loan

A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "law French" term used by English lawyers in the middle ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.

20
5.60%p.a. Variable Home Loan / Refinance for Essential Workers (New Loans Only, Min $100k Loan, 5.65%p.a.CR) @ G&C Mutual Bank

5.60%p.a. Variable Home Loan / Refinance for Essential Workers (New Loans Only, Min $100k Loan, 5.65%p.a.CR) @ G&C Mutual Bank

stonecold on 15/04/2026 - 11:13 gcmutual.bank

I have this loan from the previous offer around 2 years ago except this is 5 basis points higher. Can confirm rates have moved in line with RBA changes. Overall great deal considering no fees and …

320
Home Loan Refinance Cashback: up to $4,000 @ IMB, Newcastle Permanent, BOQ, ME Bank, Queensland Country + More

Home Loan Refinance Cashback: up to $4,000 @ IMB, Newcastle Permanent, BOQ, ME Bank, Queensland Country + More

Borepig on 15/04/2026 - 09:58 queenslandcountry.bank

Been shopping around to refinance off my current lender and the cashback landscape has shifted massively since I last looked. All of the Big Four are basically out, ANZ killed their $2k refinance …

106
Bank of China – 5.68% p.a. Variable Home Loan or Refinance (Without Solar, 5.89% CPR) + $2,888 Cashback + Extra Broker Cashback

Bank of China – 5.68% p.a. Variable Home Loan or Refinance (Without Solar, 5.89% CPR) + $2,888 Cashback + Extra Broker Cashback

AssociatedRannar @ Rannar Financial Services on 07/04/2026 - 20:46 bankofchina.com

Bank of China's April 2026 promotion offers competitive variable rates and a solid cashback — available for both refinancers and new purchases. At 5.68% p.a. variable (OO), this sits well …

40
$2,888 BOC Refinance/Purchase Cashback, OOC 5.63% (CR 5.84%) & INV I/O 5.83% (CR 6.03%) + $2,000 Broker Cashback @ Bank of China

$2,888 BOC Refinance/Purchase Cashback, OOC 5.63% (CR 5.84%) & INV I/O 5.83% (CR 6.03%) + $2,000 Broker Cashback @ Bank of China

AssociatedMortgage Broker @ Lending Clinic on 01/04/2026 - 10:52 bankofchina.com

Hello Everyone, Hope you're doing well, and thank you for your support so far. Bank of China has extended their home loan cashback offer, with latest interest rates as follows: $2,888 home …

10
ANZ 2-Year Fixed Home Loan from 5.62% p.a. (Owner Occupied, ≤70% LVR, Comparison Rate ~6.30% p.a.) @ Soren Financial

expired ANZ 2-Year Fixed Home Loan from 5.62% p.a. (Owner Occupied, ≤70% LVR, Comparison Rate ~6.30% p.a.) @ Soren Financial

Marketingmans246 on 05/03/2026 - 13:43 sorenfinancial.com

ANZ is currently offering competitive 2-year fixed home loan rates starting from approximately 5.62% p.a. (comparison rate approx. 6.30% p.a.) for owner-occupied lending. This appears to be part of …

90
ANZ Frequent Flyer Black - Bonus 110k QFF with $5k in 3 Months, 1st Year $0 Fee with Direct Home Loan Application

Long Running ANZ Frequent Flyer Black - Bonus 110k QFF with $5k in 3 Months, 1st Year $0 Fee with Direct Home Loan Application

thanks9527 on 20/02/2026 - 21:53 anz.com.au

I was recently refinancing directly into ANZ (not via broker) and realize they are now running for New ANZ Credit Card Offers for New ANZ Home Loan Applicants again. ANZ Frequent Flyer Black is my …

24
$3,000 Home Loan Refinance Cashback (Min Loan $700,000 and LVR up to 80%) + $3,000 Broker Cashback @ ME Bank

expired $3,000 Home Loan Refinance Cashback (Min Loan $700,000 and LVR up to 80%) + $3,000 Broker Cashback @ ME Bank

AssociatedMortgage Broker @ Lending Clinic on 02/02/2026 - 10:33 mebank.com.au

Hello Everyone, Thank you for your support so far. ME Bank is one of the few banks with home loan refinance cashback offer, offering $3,000 cashback with minimum loan amount of $700K. Plus as an …

21
$2,000 - $6,000 Mortgage Broker Cashback (Minimum Loan $500,000) @ Lending Workshop

expired $2,000 - $6,000 Mortgage Broker Cashback (Minimum Loan $500,000) @ Lending Workshop

AssociatedLendingWorkshop on 29/01/2026 - 09:14 lendingworkshop.com.au

Hello Bargain-hunters, I am offering a broker cashback back of $2,000 to $6,000 depending on loan amount. Broker cashback is in addition of upto $4,000 cashback offered by banks on my panel. …

80
$2,888 BOC Refinance/Purchase Cashback, OOC 5.18% (CR 5.38%) & INV I/O 5.38% (CR 5.58%) + 0.10% Broker Cashback @ Bank of China

expired $2,888 BOC Refinance/Purchase Cashback, OOC 5.18% (CR 5.38%) & INV I/O 5.38% (CR 5.58%) + 0.10% Broker Cashback @ Bank of China

AssociatedMortgage Broker @ Lending Clinic on 08/01/2026 - 13:02 bankofchina.com

Hello Everyone, Thank you for your support so far. Bank of China has extended their home loan cashback offer, with latest interest rates as follows: $2,888 cashback and first-year annual fee …

71
Ultimate Home Loan Variable Refinance Cashback $4000 (Min Loan $300,000, >80% LVR, $395 Annual Fee) @ Queensland Country Bank

expired Ultimate Home Loan Variable Refinance Cashback $4000 (Min Loan $300,000, >80% LVR, $395 Annual Fee) @ Queensland Country Bank

k15866 on 12/12/2025 - 10:35 queenslandcountry.bank

Just in my regular refinance cashback searching I found this. I haven't used this bank of offer before. Apparently member owned and maybe also a credit union. Google tells me they have Osko …

90
First Home Buyer Loan 4.99% p.a. (4.99% p.a. CR), Optional 100% Offset Account, LVR 70% or Less @ Horizon Bank

expired First Home Buyer Loan 4.99% p.a. (4.99% p.a. CR), Optional 100% Offset Account, LVR 70% or Less @ Horizon Bank

simo1919 on 04/12/2025 - 23:19 horizonbank.com.au

I was looking for first home buyer loans with an offset account Several around 5% IR and CR via canstar - most of them I had not heard of Came down to unity bank and horizon bank that had branches in …

160
$2,888 Cashback on Home Refinance/Purchase, O.Oc 5.18% (CR 5.38%), Inv. I/O 5.38% (CR 5.58%) + 0.10% Broker CB @ Bank of China

expired $2,888 Cashback on Home Refinance/Purchase, O.Oc 5.18% (CR 5.38%), Inv. I/O 5.38% (CR 5.58%) + 0.10% Broker CB @ Bank of China

AssociatedMortgage Broker @ Lending Clinic on 04/11/2025 - 11:51 bankofchina.com

Hello Everyone, Thank you for your support so far. Bank of China has announced a new home loan offer for November, now offering the following: $2,888 cashback and first-year annual fee waiver …

200
90% LVR No LMI Home Loan – Owner Occupiers & Investors @ UBank

expired 90% LVR No LMI Home Loan – Owner Occupiers & Investors @ UBank

AssociatedRannar @ Rannar Financial Services on 30/10/2025 - 10:15 ubank.com.au

Want to buy a home or investment property with just 10% deposit and no LMI? UBank just made it possible! Deal Highlights: ✅ 90% LVR – No LMI or risk fee ✅ Owner Occupied & Investor P&I …

120
[NSW, QLD, ACT] $2000-$3000 Cashback on 5.19% Variable Rate Home Loan @ Greater Bank (Great Rate Home Loan)

Long Running [NSW, QLD, ACT] $2000-$3000 Cashback on 5.19% Variable Rate Home Loan @ Greater Bank (Great Rate Home Loan)

suku1809 on 30/09/2025 - 13:25 greater.com.au

I found this deal when searching for better home rate deals on google. The previous deal here was for 5.94% https://www.ozbargain.com.au/node/831664. This deal has a better interest rate but the …

10
$2,000 Refinance Cashback, Variable Rate from 5.18% (CR 5.38%) p.a. + 0.10% p.a. Broker Cashback @ Bank of China

expired $2,000 Refinance Cashback, Variable Rate from 5.18% (CR 5.38%) p.a. + 0.10% p.a. Broker Cashback @ Bank of China

AssociatedRannar @ Rannar Financial Services on 30/09/2025 - 09:55 bankofchina.com

New Bank of China Home Loan Promotion! Bank of China release new rates. This offer is available nationwide across Australia. We found some rates are relatively competitive in the current …

1380
Home Loan Cashback Offers: up to $4000 Cashback or up to 300,000 Qantas Points @ Various Lenders

expired Home Loan Cashback Offers: up to $4000 Cashback or up to 300,000 Qantas Points @ Various Lenders

bhunter101 on 29/09/2025 - 11:36 afr.com

Incentives on offer for property buyers Lender Cashback amount Borrowing criteria AMP $2000 Refinancers ME Bank $3000 Refinancers Greater Bank $2000-3000 First …

25
$2,000 - $6,000 Mortgage Broker Cashback (Minimum Loan $500,000) @ Lending Workshop

expired $2,000 - $6,000 Mortgage Broker Cashback (Minimum Loan $500,000) @ Lending Workshop

AssociatedLendingWorkshop on 23/09/2025 - 09:28 lendingworkshop.com.au

Hello Ozbargainers, Thank you so much for your support so far. I am offering a broker cashback back of $2,000 to $6,000 depending on loan amount. This is in addition to any cashback offered by …

80
Borrow or Refinance with CommBank Digi Home Loan, Get up to 300,000 Qantas Points (Loan from $300,000) @ Commbank

expired Borrow or Refinance with CommBank Digi Home Loan, Get up to 300,000 Qantas Points (Loan from $300,000) @ Commbank

Unseatingcargo1 on 19/09/2025 - 16:26 commbank.com.au

Digi Home Loan (Owner Occupied Principal & Interest) for new borrowings with a Loan to Value ratio of 80% or less when compared to CommBank’s other advertised loan rates. Minimum new borrowings …

51
2-Year Fixed Home Loan, Owner-Occupied P+I or Investment Property 4.74% p.a. (OO 5.58%CR, IP 5.98%CR) @ Australian Mutual

expired 2-Year Fixed Home Loan, Owner-Occupied P+I or Investment Property 4.74% p.a. (OO 5.58%CR, IP 5.98%CR) @ Australian Mutual

kcome on 09/09/2025 - 13:49 australianmutual.bank

Just saw this deal during my Homeloan browsing. Given there is no clear view of how many more rate cut RBA might hand out, I find this deal seemingly attractive: 50 bps lower than 80% of other …

90
$1500 Cashback on Top of Any Lender Offer (Min. $450,000 Home Loan, Eligibility Criteria Apply) @ Compare The Market

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

k15866 on 09/08/2025 - 07:59 comparethemarket.com.au

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 …

RSS Feed