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.

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

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 …

110
[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 BOC Refinance Cashback Variable Rate from 5.18% (CR 5.38%) p.a. + 0.10% p.a. Broker Cashback @ Bank of China

$2,000 BOC 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 …

1360
Home Loan Cashback Offers: up to $4000 Cashback or up to 300,000 Qantas Points @ Various Lenders

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

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 …

101
2-Year Special Rate Variable Home Loan 5.14% p.a. (5.84% CR), OO P&I Max 70% LVR, $150 Offset & $150 Annual Fees @ Horizon Bank

expired 2-Year Special Rate Variable Home Loan 5.14% p.a. (5.84% CR), OO P&I Max 70% LVR, $150 Offset & $150 Annual Fees @ Horizon Bank

kcome on 05/08/2025 - 11:07 horizonbank.com.au

I haven't used this bank, just saw a not bad interest rate with $150 annual fee on Offset Account. There is another $150 annual fee, even they advertise "no monthly fee". The special …

910
Macquarie Bank Fixed 2-Year Home Loan 4.99% p.a. (LVR 70% or Less, CR 5.54% p.a.) + up to $2000 Broker Rebate @ Macquarie Bank

expired Macquarie Bank Fixed 2-Year Home Loan 4.99% p.a. (LVR 70% or Less, CR 5.54% p.a.) + up to $2000 Broker Rebate @ Macquarie Bank

AssociatedRannar @ Rannar Financial Services on 05/08/2025 - 10:40 macquarie.com.au

Looking for a sharp rate with added value? We've got some great home loan options available via broker only (not direct from the bank). Perfect for refinancing or new purchases. Owner Occupied …

900
Variable Rate Home Loan 4.99% (5.04% CR), Max 80% LVR @ Police Credit Union

expired Variable Rate Home Loan 4.99% (5.04% CR), Max 80% LVR @ Police Credit Union

donga100 on 31/07/2025 - 21:57 policecu.com.au

Thanks to flashi007 Available for buying and refinancing Unlimited payments without penalty No monthly or annual fees Free online redraw

50
Owner Occupied Variable Principal & Interest Home Loan 5.39% p.a. (5.39% CR) up to 80% LVR @ Pacific Mortgage Group

expired Owner Occupied Variable Principal & Interest Home Loan 5.39% p.a. (5.39% CR) up to 80% LVR @ Pacific Mortgage Group

jiayijames on 31/07/2025 - 20:16 pmgonline.com.au

Unlimited redraw transactions available Unlimited extra repayments allowed Flexible repayments to suit you Borrower Suitability This loan is suitable for our owner occupied clients looking to …

41
Horizon Bank First Home Buyer Loan 5.24% p.a. (CR 5.24%) Owner Occupier, Variable, Principal & Interest, LVR 70% or Less

expired Horizon Bank First Home Buyer Loan 5.24% p.a. (CR 5.24%) Owner Occupier, Variable, Principal & Interest, LVR 70% or Less

jiayijames on 31/07/2025 - 05:47 horizonbank.com.au

A personal lender that will guide you through your home ownership We'll help you discover how much you can afford to borrow We specialise on delivering quick answers on loan …

34
Owner Occupied Variable Home Loan 5.49% p.a. up to 80% LVR, Including 0.01% Discount in Year 1 (Comparison Rate 5.4%) @ Unloan

expired Owner Occupied Variable Home Loan 5.49% p.a. up to 80% LVR, Including 0.01% Discount in Year 1 (Comparison Rate 5.4%) @ Unloan

jiayijames on 30/07/2025 - 21:38 unloan.com.au

Applications are subject to credit approval, satisfactory security and you must have a minimum 20% equity in the property. Minimum loan amount $10,000, maximum loan amount $10,000,000, and total …

160
New Builds Clean Energy Home Loan 5-Year Variable 5.18% p.a. (CR 5.63%) + 0.20% Broker Rebate @ BankAustralia

Long Running New Builds Clean Energy Home Loan 5-Year Variable 5.18% p.a. (CR 5.63%) + 0.20% Broker Rebate @ BankAustralia

AssociatedMyBrothertheBroker @ My Brother The Broker Pty Ltd on 22/07/2025 - 01:03 bankaust.com.au

One of the lowest rates on the market from Bank of Australia for new energy efficient houses and apartments built within the last 18 months Owner Occupied P&I (80% LVR & 95% FHB) and …

03
Beyond Bank 100% Offset Variable Loan Min. $400,000, up to 70% LVR: Owner-Occ 5.49% p.a. (CR 5.85%), Inv. 5.69% p.a. (CR 6.05%)

expired Beyond Bank 100% Offset Variable Loan Min. $400,000, up to 70% LVR: Owner-Occ 5.49% p.a. (CR 5.85%), Inv. 5.69% p.a. (CR 6.05%)

AssociatedObtain Finance @ Obtain Finance on 09/07/2025 - 21:51 beyondbank.com.au

Hi OzBargainers! Looking for a discounted variable-rate home loan with waived fees? Check out Beyond Bank’s Total Home Loan.

50
$2K-$4K Cashback for New/Refinance OO P&I mortgage; Variable rate 5.54%/CR5.57% (Redraw only); 5.64%/CR5.76% (Offset) @ IMB Bank

Long Running $2K-$4K Cashback for New/Refinance OO P&I mortgage; Variable rate 5.54%/CR5.57% (Redraw only); 5.64%/CR5.76% (Offset) @ IMB Bank

kcome on 30/06/2025 - 11:54 imb.com.au

This deal was very old since last March and wasn't posted on OZBargain so here I post this. Terms & conditions. The rate in the title is for owner occupied and principle+interest repayment …

31
Refinance with ING & Buy an Eligible Home Energy Upgrade via BoomPower for $1,500 Cashback + Broker Cashback @ ING & BoomPower

expired Refinance with ING & Buy an Eligible Home Energy Upgrade via BoomPower for $1,500 Cashback + Broker Cashback @ ING & BoomPower

AssociatedLen -Bundle Loans @ Bundle Property Home Loans on 25/06/2025 - 15:12 ing.com.au

$1,500 cashback when your customer refinances and upgrades with ING How to apply for the $1,500 cashback Refinance an existing home loan from another lender to an ING Home Loan (Mortgage …

17
5.29% p.a. 2-Year Fixed Rate P&I Live-in Home Loan (5.50% p.a. CR) + $2000 Cashback on Minimum $500,000 Loan @ Tiimely Home

expired 5.29% p.a. 2-Year Fixed Rate P&I Live-in Home Loan (5.50% p.a. CR) + $2000 Cashback on Minimum $500,000 Loan @ Tiimely Home

MarketingTiimely Home on 24/06/2025 - 15:34 tiimelyhome.com.au

Lock in a sharp 2-year fixed from 5.29%p.a. (5.50%p.a. CR) and get $2,000 CASHBACK with Tiimely Home. Lock in an Owner-Occupier Principal & Interest 2-year fixed rate of 5.29% (5.50%p.a. CR), …

90
Variable Rate Home Loan from 5.43% p.a. (CR 5.81%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China

expired Variable Rate Home Loan from 5.43% p.a. (CR 5.81%), Up to $3,000 Bank Cashback Extended to 31/7 @ Bank of China

AssociatedRannar @ Rannar Financial Services on 28/05/2025 - 06:56 bankofchina.com

Bank Cashback Offer + Broker Bonus! Refinance Cashback Offer extended to 31 July 2025 $2,000 for loans $400K–$1M $3,000 for loans over $1M 🏡 Property Purchase Cashback Offer extended to 31 …

RSS Feed