Cashback and Reward Points Offers

Here are some of the special offers from the various lenders. These offers include cashback and reward points. These cashback offers are subject to terms and conditions.

Citibank Cashback offer of $3000 on Purchases and Refinances

ANZ Cashback offer of $3000.

CBA Cashback offer of $2000.

Westpac Cashback Offer of $2000 per Property.

St George Cashback  Offer of $4000 per

RAMS Cashback Offer $2000.

Virgin Money Cashback Offer $2500.

citibank 1
Citibank Cashback offer $3000 on Purchases and Refinances

$3,000 cashback offer, as well as some of the lowest ever owner-occupied and investment rates. Now available for new purchase and refinance, P&I and IO home loan, until 31 December 2020.

Eligibility criteria

  • For new applications submitted by a Citi Select Broker from 1 October 2020 to 31 December 2020 and settled by 20 February 2021.
  • This offer is available to Australian residents aged 18 years and over who refinance and or purchase a home with a new eligible home loan product under the following Eligibility Requirements:
    • Home loan application must be submitted within the Promotional Period (point 1 above)
    • Home loan application must be submitted by a Citi Select Broker as designated by Citi at its sole discretion
    • Lending must be new to Citi (refinances of existing Citi loans are excluded from this offer)
    • Lending must not exceed a loan to value ratio (LVR) of 80%
    • Repayment type can be principal and interest and/or interest only
    • Available on owner occupier and investor loans (excluding Construction loans, Company applicants and Trust applicants)
    • Minimum refinance and or purchase home loan amount $350,000
    • Eligible Citi home loan products: Basic Variable, Standard Variable, Offset Variable and Fixed
    • Home loan must be disbursed on or before 20 February 2021
    • Normal lending policies apply
    • This offer is not available in conjunction with any other promotion

     

  • Only one cashback per eligible home loan capped at two cashbacks per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Maximum amount per cashback of $3000 for a Citi Select Broker loan.
ANZ logo 1
ANZ refinance cash back of up to $3000

Effective  1st June 2020 ANZ home loans switching cashback discretion will be updated. For eligible customers refinancing home lending of $250,000 or more from an OFI (which may include some additional new lending), a higher cashback amount of $3,000 will be available.

Please note the eligibility criteria for cashback discretion include brokers submitting an OFI Refinancing Payment form for the customers they have offered cashback (once their loan has drawn down), and that the cashback amount must be paid to an eligible ANZ transaction account.

This updated discretion replaces any existing ANZ switching cashback arrangements (from 9 March 2020). If your customer submitted their application at the time a previous ANZ switching offer applied, they will remain eligible for cashback under that previous offer (subject to satisfying applicable terms and conditions).

Eligibility criteria

  • Loan applications must be submitted from 1st June 2020
  • See below the following lending tiers and cashback amounts:
New to ANZ Lending^Switching amount available
At least $150,000 but less than $250,000$1,200
$250,000 or more$3,000
St George Bank 1
St George $4000 Refinance Cashback Refinances

 

St.George Home Lending Offers from Friday 18 September 2020 – Up to $4k Refinance Cashback.
  1. Extending the $2,000 Refinance Cashback for applications received by Sunday 31 January 2021 and settled by Wednesday 31 March 2021.
  2. Introducing a new bonus $2,000 Refinance Cashback for loans with a maximum LVR of 80%.

The bonus $2,000 Cashback for loans with a maximum LVR of 80% will be paid on the first application only to eligible customers on top of the current $2,000 Refinance Cashback.

  • The $2,000 Refinance Cashback will be paid for every property that is refinanced to St.George with minimum lending of $250,000 per property.
  • Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, BankSA and RAMS.
  • Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts.

Advantage Package

  • Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible St.George transaction account. Applicants home loan repayments must be direct debited from this transaction account. Read the St.George transaction account terms and conditions and consider if the product is right for you.

Refinance Cashback

  • The cashbacks will be paid into a St.George transaction account within 60 days of settlement.
  • The transaction account must be linked to the home loan at the time of settlement, and kept open for 60 days after settlement.
  • Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.
NAB 1
$4,000  NAB Cashback
  • $2,000 Cash Bonus for drawdown of new NAB home lending for new purchase or incremental lending of $250,000 or more.
  • $4,000 Cash Bonus for a refinance to NAB of $250,000 or more
  • $2,000 New Lending Cash Bonus offer for new purchases/increased lending is limited to one bonus per customer
  • $4,000 Refinance Cash Bonus offer for refinances to NAB is limited to one bonus per customer.

NOTE

  • Customers must hold a NAB personal transaction account for the Cash Bonus to be deposited into.
  • Cash Bonus is available for all NAB Home Loan products excluding Lines of Credit, the NAB Portfolio Facility, the NAB Private Portfolio Facility and loans for building or construction purposes.
  • Available to borrowers who are individuals only (both owner occupier and residential investor)
  • Not available to customers refinancing from NAB or NAB’s affiliates such as UBank, Medfin and Advantedge.
  • Not available to customers drawing down new lending with, or refinancing to, UBank, Medfin and Advantedge.
Westpac Logo 1
Westpac Cashback $2000 Refinance rebate per property.

Apply between 23 September 2019 and 31 July 2020 and settle the loan by 30 September 2020

Eligibility Criteria

• For Owner Occupier (Principal & Interest repayments) and Investment Property loans for refinance purposes
• Available for Flexi First Option Loans and loans under the Premier Advantage Package*. $395 annual package fee applies
• $250,000 minimum loan per property refinanced
• The applicant must either hold or be approved for a Westpac Choice transaction account in order to qualify and continue to receive the benefits of the Premier Advantage Package

Exclusions

Owner Occupier (Interest Only repayment) home loans
• Residential lending originated under family or company trusts
• Switches or internal refinances within the Westpac Group which inclu des Westpac, St.George, Bank of Melbourne, BankSA and RAMS
• Applications received outside of the campaign period
• Non-resident borrowers

Bank SA
$2,000 Refinance Bank SA Cashback+

Offer Details

  • Credit criteria, fees and charges apply. Terms and conditions available at BankSA
  • For new refinance applications received between 23 September 2019 to 31 July 2020 and settle by 30 September 2020.
  • Offer available on the Advantage Package and Basic Home Loans for Owner Occupier with Principal and Interest repayments and Investment Loans.
  • Offer current as at 23 September 2019.
  • Offer may be varied or withdrawn at any time.
  • $200k min loan per property refinanced.
  • The $2,000 Refinance Cashback will be paid for every property that is refinanced to BankSA with minimum lending of $200,000 per property.
  • Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, BankSA and RAMS.
  • Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts.

Advantage Package

  • Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible BankSA transaction account. Applicants home loan repayments must be direct debited from this transaction account. Read the BankSA transaction account terms and conditions and consider if the product is right for you. Refer to banksa.com.au.

Refinance Cashback

  • The cashbacks will be paid into a BankSA transaction account within 60 days of settlement.
  • The transaction account must be linked to the home loan at the time of settlement, and kept open for 60 days after settlement.
  • Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.
vma logo
$2500 Virgin Money Cashback on Purchases and Refinances

For a limited time, receive a $2,500 cashback when you switch or take out a new home loan. Available on eligible new refinance loans.

Plus, with our competitive fixed and variable rates the Virgin Money Reward Me Home Loan could mean more for you, and more for your home.

Things you should know

  • For all new refinance applications received between 18 May 2020 and 28 August 2020, and have their loan settled by 30 October 2020.
  • Minimum loan amount $300,000 and up to 80% loan-to-value ratio.
  • You will need to open a Reward Me Home Loan Companion account alongside your loan, where the $2,500 cashback payment will be credited within 60 days of settlement.
rams logo 1
Walk like a Ram with a $2,000 refinance cashback.

Enjoy $2,000 cashback1 plus the confidence of tailored, expert advice every step of the way.

Receive a $2,000 cashback when you refinance your home loan to a new RAMS Home Loan, with a minimum loan size of $250k, between 28 February 2020 and 30 June 2020 and settle by 31 August 2020.

There’s nothing like the assurance of having your own dedicated Home Loan Specialist.

Commonwealth Bank of Australia 2
$2,000 CBA cashback when you switch your home loan.
The cashback bonus is available on the following loans:
  • Owner occupied home loans
  • All investment loans
  • All Viridian lines of credit

For refinancers who apply before 3 August 2020 and have their loan funded by 9 October 2020. Minimum refinance amount $250,000. This offer is not available for Bridging Loans. (Owner Occupied Interest Only customers who fund on or after Tuesday 7 April 2020 are eligible for the cashback)

Suncorp Logo 1
Suncorp  upto $4000 cashback offer

New Cash Bonus Offers

Please refer to the following important documents

Eligibility of both Offers:

To be eligible, the approved loan/s must satisfy the following

  • Regulated Retail Home Lending
  • Minimum new home loan amount of $250,000, with the purpose of Refinance from an external financial institution
  • Application fully received between Friday 15th May 2020 and Friday 10th July
  • Settlement on or before Tuesday 10th November 2020
  • Standard Variable, Back to Basics Variable and Fixed Rate Home Loans
  • Loan to Value Ratio (“LVR”) including Lenders Mortgage Insurance (“LMI”) is less than or equal to 90%

Available on;

  • Personal/Owner Occupied & Investment lending
  • Principal and Interest or Interest Only

Refinance Cash Bonus Offer (1) – how much is the customer eligible for?

  • >= $250,000 will receive $2,000, or
  • $750,000+ will receive $3,000

Frontline Extra Cash Bonus Bonus Offer (2) – for eligible occupations

  • >= $250,000 will receive a total of $3,000 or;
  • $750,000+ will receive a total of $4,000

Get Expert Advice on home loans

Talk to a home loan consultant

We are available 7 days till 9 pm

Need more information ?
info email
Drop us and email – We’re here to help.

Like to meet and discuss face to face?
appointment
Book an appointment with a Consultant

We negotiate better rates with these lenders for you