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Rate details & comparison information
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No fixed closing date published. The lender may change or withdraw this offer.
All borrowers must be first-home buyers who have never owned Australian residential property.
Eligible owner-occupied purchase or construction; at least $250,000 new ANZ lending.
Eligible Standard Variable, Fixed Rate or Simplicity PLUS loans; ANZ Plus home loans excluded.
Government-guaranteed loans and loans with an ANZ LMI waiver are excluded.
An eligible linked ANZ account must be held at drawdown. Draw down within 180 days of applying.
One cashback across the application; an individual can claim only once. Prior ANZ offers or benefits within 12 months can exclude eligibility.
Investment, land, company-name, bridging, line-of-credit, top-up and restructure loans are excluded.
Broker or lender claims are due within 14 days of drawdown; qualifying applications may otherwise receive automatic payment. Cannot combine with another ANZ home-loan offer.
Source checked 6 October 2026, 1:47 pm AEDT
ANZ
Fee waiverOngoing benefit
LMI waiver for eligible professionals
Selected legal, medical and accounting professionals may qualify for an ANZ lenders mortgage insurance waiver.
No fixed closing date published. The lender may change or withdraw this offer.
Eligibility is profession-specific; being a health worker alone does not establish eligibility. Check the eligible-professions fact sheet and loan limits with ANZ.
Normal credit criteria, fees and conditions apply. The offer does not apply to ANZ Plus products.
ANZ’s first-home-buyer cashback cannot be combined with an ANZ LMI waiver.
Source checked 6 October 2026, 4:16 pm AEDT
Athena Home Loans
Fee waiver
Apollo Max first-year offset fee waived
Save the $249 annual offset fee in the first year.
No fixed closing date published. The lender may change or withdraw this offer.
Borrower must meet both first-home-buyer and eligible occupation requirements.
Eligible roles include specified teachers, education staff, nurses, midwives, police, firefighters and ambulance officers; the lender’s exact occupation list applies.
Your Way Plus product, membership and normal lending requirements apply.
Ongoing package benefit with no advertised campaign deadline; other fees can apply.
Source checked 6 October 2026, 1:47 pm AEDT
Bank Australia
Rate discount
Reduced rates for qualifying green homes
A reduced variable rate for five years, or a reduced three-year fixed rate, on a qualifying Clean Energy Home Loan.
No fixed closing date published. The lender may change or withdraw this offer.
Official indexed advertising requires the First Home Bonus Saver account to have been held for 12 months and at least $5,000 maintained throughout the three consecutive months before application.
This listing is supported by current official indexed advertising; the live page and complete account terms could not be rechecked. Additional eligibility and account-closure rules need lender confirmation.
The reward is linked to eligible home-loan funding. No fixed offer closing date is stated in the accessible advertisement.
Source checked 6 October 2026, 4:16 pm AEDT
Bank of Queensland
Cashback
$2,000 branch refinance cashback
Eligible external refinances from $250,000 and LVR up to 80%. Apply through a BOQ branch for this offer.
No fixed closing date published. The lender may change or withdraw this offer.
Current eligible police employees, or retired police who are existing BankVic members; the lender’s police definition includes specified officers, police employees and association members.
New purchases or external refinances; at least $350,000 new lending per eligible security, LVR no more than 80%.
Apply from 13 August 2026. Fully fund within 180 days of unconditional approval while the offer is available.
One payment per eligible new security; splits on the same security count together. Construction must be fully drawn; bridging uses end debt.
Paid within eight weeks of full funding into a same-name BankVic deposit account, or the loan if no instructions.
Internal refinances and other BankVic cashback offers excluded. Previous cashback recipients may be ineligible.
Source checked 6 October 2026, 1:50 pm AEDT
BankVic
Fee waiver
Investor establishment fee may be waived
Eligible investors may receive a waiver of the $600 establishment fee.
External refinance of at least $150,000 for an owner-occupied or investment home loan. Existing BankWAW refinances, restructures and switches excluded.
Applications and approvals must meet the campaign requirements. Starts 1 September 2026 and closes 31 January 2027, or earlier if fully subscribed.
Third-party costs billed directly to you are excluded unless BankWAW agrees to cover them.
Cannot combine other promotional offers, special rates or waivers without BankWAW’s agreement.
Source checked 6 October 2026, 1:49 pm AEDT
BankWAW
Rate discount
Two-year introductory variable rate
A discounted variable rate for the first two years on the Back to Basics Home Loan.
Apply by 30 October 2026Fund / settle by 30 January 2027
Invitation through a participating Community Organisation required; use its QR landing page and prescribed direct application route, quoting the offer.
At least $250,000 new owner-occupier or investment lending.
Apply 1 September–30 October 2026; settle before 31 January 2027.
Excludes bridging, construction and Land Rent Scheme loans; cannot combine with other offers or further discounts.
One payment per application; no further cashback within 12 months. Paid within 30 days to the borrowers’ Beyond Bank Mortgage Offset or Purple Transactor account.
Source checked 6 October 2026, 1:50 pm AEDT
Border Bank
Cashback
Up to $3,000 cashback on eligible refinancing
$2,000 for eligible loans of $300,000–$499,999, or $3,000 from $500,000, with LVR up to 80%.
No fixed closing date published. The lender may change or withdraw this offer.
External refinance into eligible Customs Value or Goldrate fixed/variable loans with principal-and-interest repayments. Membership and product eligibility apply; confirm Customs Value occupational requirements.
Apply from 3 September 2026 and settle within 90 days. Set up an Easy Access account with card access and at least three consecutive salary credits.
Payment normally within eight weeks of full funding; the loan must remain active. Eligible account or loan-credit payout rules apply.
Excludes Border/Police Bank internal refinancing, interest-only, construction, bridging, pre-approvals, companies and trusts. No stacking with other promotions.
Prior cashback on the property is excluded. Terms say both once per member and once per accepted loan, with a 12-month repeat-borrower restriction; confirm any previous or multiple-loan entitlement.
Source checked 6 October 2026, 4:16 pm AEDT
Commonwealth Bank
Other benefit
100,000 CommBank Yello points online
100,000 CommBank Yello points for an eligible online home loan.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible online Digi, Standard Variable, Simple or Fixed Rate loan; at least $100,000 funded at settlement.
Purchase or refinance from another lender. Application must stay with CommBank’s Digi Home Lending team until settlement.
Formal approval while the offer is available; settle within 90 days of formal approval.
A borrower must have Yello Gold or Diamond status when eligibility is checked 60 days after settlement; programme account requirements apply.
One recipient per eligible application. Points are normally paid within 31 days after that check. Top-ups or further advances after settlement do not earn additional points.
Apply through CommBank’s direct digital offer.
Source checked 6 October 2026, 1:49 pm AEDT
Credit Union SA
Cashback
$2,000 cashback for Port Adelaide members and employees
No fixed closing date published. The lender may change or withdraw this offer.
For current or former SA education workers, education students and eligible immediate family: parents, children, grandparents, grandchildren, siblings and partners.
Purchase or refinance from another lender with at least $300,000 new borrowing and maximum 80% LVR.
Paid at settlement; limited to one cashback per household.
Construction, bridging, government 5% Deposit Scheme and owner-occupied interest-only loans are excluded.
Loan approval and product eligibility requirements apply; the offer can be withdrawn.
Source checked 6 October 2026, 1:47 pm AEDT
Great Southern Bank
Cashback
Up to $3,000 direct home loan cashback
$2,000 for $400,000–$699,999; $3,000 from $700,000.
Apply by 1 February 2027Fund / settle by 30 June 2027
Direct external refinance or investment property loan; all borrowers Australian residents aged 18+; LVR no more than 90%.
Apply by 4pm on 1 February 2027; loan approved and funded by 30 June 2027. Confirm the lender’s closing-time zone.
Broker/third-party applications, government scheme loans, internal refinances, top-ups, further advances, business, equity lines and bridging excluded.
Hold a Great Southern Bank transaction account at settlement and for 90 days afterwards; payment within 90 days.
One payment for joint borrowers; no other cashback application for 12 months after approval. Cannot combine with other offers, including establishment-fee waivers.
Incorrect, ineligible or fraudulent payments can be recovered.
Source checked 6 October 2026, 1:50 pm AEDT
Greater Bank
Cashback
$2,500 cashback for eligible first-home buyers
Buy your first owner-occupied home with an eligible loan from $250,000 and LVR up to 95%.
No fixed closing date published. The lender may change or withdraw this offer.
All borrowers must be Australian residents aged 18+ who have never owned or co-owned residential property. Eligible Great Rate or Ultimate owner-occupied loans only.
Approval and full drawdown within 120 days; one eligible application and one payment for joint borrowers.
Paid within 30 days of settlement into a qualifying same-name Greater Everyday account that remains open. The loan must not close before payment.
Cannot combine with other Greater promotional payments. Newcastle Permanent branded loans are excluded.
A 12-month NGM-group cashback lookback applies. Its start-point wording is unclear in the published terms; previous cashback recipients should confirm eligibility with Greater.
Source checked 6 October 2026, 4:16 pm AEDT
Greater Bank
Cashback
Up to $2,500 cashback through a Greater lender
$2,000 for eligible refinancing of $250,000–$499,999, or $2,500 from $500,000. Apply through a Greater Bank lender; the online offer is separate.
No fixed closing date published. The lender may change or withdraw this offer.
Great Rate or Ultimate owner-occupier/investment loans, LVR up to 80%. Refinance an external residential loan held for at least six months; new security required.
Approval and full drawdown within 90 days. One cashback per primary applicant within 12 months; joint/multiple applications do not create extra payments.
Excludes Greater Bank/Newcastle Permanent refinances, companies/trusts, construction, development, bridging, commercial security and Family Pledge.
Paid within 30 days to an eligible same-name Greater or nominated Australian deposit account.
The offer hub says it cannot combine with other promotional payments; a clause in the detailed terms is poorly worded. Confirm combinations with Greater before applying.
Source checked 6 October 2026, 4:16 pm AEDT
Greater Bank
Cashback
Up to $3,000 online cashback
$2,500 for loans of $250,000–$499,999.99; $3,000 from $500,000.
No fixed closing date published. The lender may change or withdraw this offer.
Purchase or external refinance; maximum 80% LVR. Refinances within Greater Bank/Newcastle Permanent excluded.
Owner-occupied principal and interest; investment principal and interest or interest only.
Apply through Greater’s digital process, including digital ID and illion checks. Up to two adult PAYG permanent residents; joint applicants must be married/de facto and live together. No guarantor; all borrowers must be on title.
Approval and funding must occur within the loan offer’s validity.
One payment per loan and borrower during the campaign; no NGM Group cashback redeemed in the previous 12 months. Other promotional payments excluded; rate discounts permitted.
Paid within 60 days of settlement to an eligible Greater account in the same names. The loan and receiving account must remain open until payment.
Apply through the lender’s online offer to qualify.
Source checked 6 October 2026, 1:49 pm AEDT
Horizon Bank
Rate discount
Home Sweet Home two-year introductory discount
0.60 percentage-point discount from the applicable standard variable rate for the first two years.
No fixed closing date published. The lender may change or withdraw this offer.
New business only.
Applies to owner-occupied principal-and-interest and eligible investment principal-and-interest or interest-only loans. Owner-occupied interest-only pricing does not include the discount.
The discount ends after two years; the applicable standard variable rate then applies.
Rates vary with loan purpose and LVR and can change. Lending criteria and fees apply.
Source checked 6 October 2026, 1:47 pm AEDT
Hume Bank
Other benefit
$200 Visa eGift if Hume cannot match an eligible rate
$200 Visa eGift Card after a qualifying rate-match claim.
No fixed closing date published. The lender may change or withdraw this offer.
New owner-occupied P&I purchases only; applicants must live in, own, or be buying in one of the lender’s listed regional postcodes.
Provide a current public rate from a licensed Australian lender with matching purpose, rate structure and LVR tier.
Refinances, competitor promotional discounts, Hume staff/contractors and immediate family excluded.
Hume must verify eligibility and be unable to match. Gift emailed within 30 days; valid email needed; no cash exchange.
Source checked 6 October 2026, 1:50 pm AEDT
IMB Bank
Cashback
Up to $4,000 home loan cashback
$2,000 for eligible loans of $250,000–$499,999, $3,000 for $500,000–$749,999, or $4,000 from $750,000. 50% is repayable if discharged within 12 months.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible purchases or external refinances with LVR up to 80%; applications from 15 May 2026 until withdrawn.
Settle within 180 days for purchases or 120 days for refinancing. One cashback in 12 months; payment within 60 days to an eligible primary IMB transaction account.
Internal IMB refinances, commercial, construction and bridging loans are excluded.
The current lender advertisement is confirmed, but its linked full offer PDF could not be rechecked. Confirm the full eligible-product list and exclusions with IMB before applying.
Source checked 6 October 2026, 4:16 pm AEDT
ING
Other benefitOngoing benefit
Discounted finance for eligible home energy upgrades
ING Green Upgrade finance of $5,000–$50,000 with a five-year fixed period and no upfront loan fees.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible new Full Doc, Lite Doc, Rural or Everyday Heroes residential loan, $100,000–$3 million, contractual term at least five years.
Australian-resident Qantas member; register matching membership details and evidence before formal approval. One nominated recipient per loan.
Annual points require balance of at least $200,000, with no arrears, default or hardship assistance under the timing rules. Early discharge forfeits part-year loyalty points.
Excludes internal refinance/renewals/top-ups, construction, commercial, SMSF and bridging loans; cannot combine with other promotions.
Points are not cash. Membership fee can be waived via the lender’s joining link; loan fees still apply.
Source checked 6 October 2026, 1:50 pm AEDT
loans.com.au
Referral reward
$1,000 each for eligible home-loan referrals
The new home-loan customer and eligible referring customer each receive a $1,000 credit to their loan account.
An existing loans.com.au customer privately refers a new customer using their Smart Friends code.
The new customer starts an online application, supplies the code and settles their first loans.com.au home loan by 31 December 2026.
Codes must not be broadcast or posted on websites or social media.
Referring loan accounts that have received another incentive or reward are excluded. Multiple borrowers or loans within an application do not create extra rewards.
Outside the promotional settlement dates, only the standard referral reward applies.
Source checked 6 October 2026, 1:49 pm AEDT
loans.com.au
Other benefit
$500 prepaid card through One Big Switch
A $500 digital prepaid Mastercard for an eligible home loan settled through One Big Switch.
Owner-occupier principal-and-interest or investor loans. Eligible simultaneous same-name applications may combine to meet the minimum.
Advertised application closing date: 28 February 2027. The detailed cashback clause does not repeat this end date; confirm it before applying. Settle within 120 days of application.
Eligible SpendME account required at settlement and payment. One cashback per eligible application, paid within 60 days of settlement.
Owner-occupier interest-only and ME, BOQ, BOQ Specialist or Virgin Money internal refinancing, restructuring and switching are excluded.
Cannot combine with another BOQ cashback. Borrowers who received a BOQ-group cashback in the 12 months before settlement are ineligible.
Source checked 6 October 2026, 4:07 pm AEDT
ME Bank
Cashback
$3,000 cashback for eligible refinancing
Refinance at least $700,000 with LVR up to 80% for $3,000 cashback.
Owner-occupier principal-and-interest or investment lending; external refinancing only. Eligible simultaneous same-name refinance applications may combine to meet the minimum.
Apply by 28 February 2027 and settle within 120 days. Detailed terms start on 28 August 2026; other advertising shows an earlier start, so check historical applications with ME.
One payment within 60 days after settlement into an eligible SpendME account held before payment.
Owner-occupier interest-only and ME, BOQ, BOQ Specialist or Virgin Money internal refinancing, restructuring, switching and top-ups are excluded.
No borrower may have received a BOQ-group refinance cashback in the 12 months before application. Fees and lender approval apply.
Source checked 6 October 2026, 4:07 pm AEDT
Newcastle Permanent
Cashback
Up to $3,000 online cashback
$2,500 for loans of $250,000–$499,999.99; $3,000 from $500,000.
No fixed closing date published. The lender may change or withdraw this offer.
Purchase or external refinance; maximum 80% LVR. Newcastle Permanent and Greater Bank refinances excluded.
Complete Newcastle Permanent’s online application, digital ID and illion checks. Up to two adult PAYG permanent residents; joint applicants must be married/de facto and live together. No guarantor; all applicants must be on title.
Fund within the loan offer’s validity.
One payment per eligible loan and borrower during the campaign; no NGM Group cashback redeemed in the preceding 12 months. Cannot combine other promotional payments; rate discounts permitted.
Paid within 60 days of settlement to an eligible Newcastle Permanent deposit account in the same names. Loan and receiving account must remain open until payment.
Source checked 6 October 2026, 1:49 pm AEDT
People First Bank
Other benefit
$1,000 upfront fee rebate
$1,000 paid after an eligible refinance is fully drawn.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible Police Bank members refinancing from another lender into Police Value or Goldrate loans.
Owner-occupied or investment, principal and interest only; maximum 80% LVR. Police Value has additional police-employment restrictions.
Settle within 90 days of application. Make three consecutive salary deposits to a Police Bank Easy Access account.
Paid within eight weeks of drawdown or settlement; required transaction account and active salary credit must be established. Loan must still be active.
Excludes internal Police Bank/Border Bank refinancing, interest-only, construction, bridging, pre-approval, company and trust applications.
No other promotional offers. Previous cashback on the intended property excludes eligibility. One use per member; repeat applications involving the same borrowers excluded for 12 months.
Fraud, misrepresentation or illegal conduct may lead to cancellation or recovery of cashback.
Source checked 6 October 2026, 1:47 pm AEDT
Police Credit Union
Fee waiver
Low Rate Home Loan package fee waived
$420 upfront package fee waived on the eligible Low Rate special.
No fixed closing date published. The lender may change or withdraw this offer.
At least one borrower must meet Unity’s listed essential-worker criteria: ambulance/paramedic, fire, police, corrective services, nursing, aged/disability care, teaching, early childhood education or defence/military.
New security or external refinance; owner-occupied principal and interest loan from $100,000.
Government-scheme loans and existing Unity Bank loans excluded.
Other loan and purchase costs can remain. Offer may change or end.
Source checked 6 October 2026, 1:49 pm AEDT
Unity Bank
Fee waiver
First-home-buyer valuation waiver
Valuation fees waived up to $1,000 on an eligible First Home Buyer Loan.
No fixed closing date published. The lender may change or withdraw this offer.
For new eligible Australian Government 5% Deposit Scheme loans within the Worker Support campaign; confirm campaign access and current scheme eligibility with Unity.
Valuation waiver covers one property only.
Other fees and charges may apply and will be stated at approval.
The government guarantee is not a cash payment or deposit contribution.
Source checked 6 October 2026, 1:49 pm AEDT
Unloan
Other benefit
Up to 250,000 Velocity Points
50,000 points below $250,000; 100,000 at $250,000–$499,999.99; 150,000 at $500,000–$999,999.99; 250,000 at $1 million or more.
No fixed closing date published. The lender may change or withdraw this offer.
Primary borrower must be an Australian resident aged 18+ and a current Velocity member.
Start through the Velocity offer tracking link, then apply on the same device/browser within 90 days and while the offer remains open.
Provide a matching-name Velocity number before settlement; tracking cookies are needed.
Eligible new purchase or refinance for owner-occupied or investment purposes. Prior Unloan finance on that property involving the same primary borrower is excluded.
Cannot combine with another Unloan offer. One points award per eligible loan, paid to the primary borrower within 60 days of settlement.
Settle within 90 days of the eventual offer closing date. Loan must not be paid out, in arrears/default or receiving hardship assistance when points are due.
Offer may now be withdrawn at any time; no actual withdrawal date was found.
Source checked 6 October 2026, 1:47 pm AEDT
Westpac
Rate discount
Flexi First online rate discount
Life-of-loan discount from the applicable reference rate; amount depends on loan purpose and repayments.
No fixed closing date published. The lender may change or withdraw this offer.
New Flexi First online applications; LVR no more than 80%.
P&I discount: 2.09 percentage points for owner-occupiers or 2.49 for investment. Additional 0.10 points at LVR no more than 70%.
Company/trust borrowers, bridging, construction and Westpac Group internal refinances excluded.
Discount lasts for the loan; the underlying variable interest rate can change. No offset account; offer may change or be withdrawn.
Source checked 6 October 2026, 1:50 pm AEDT
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Please check the lender’s current terms or contact us while the next review is completed.
About these offers
We review selected official lender sources. This page does not cover every lender or every offer. Each listing includes its main conditions, recorded deadlines and last successful source check. Ongoing benefits are product or package features that may not have a fixed end date.
Offers more than 48 hours past their last successful check, or past a recorded deadline, are hidden automatically. Offers can change or be withdrawn earlier, so check the lender’s current terms before applying.
Information is general and does not consider your circumstances. Eligibility, lender approval, fees and full terms apply. Consider the total cost and whether a loan suits your needs.
