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Rate details & comparison information
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Applications from 23 March 2026No fixed closing date published. The lender may change or withdraw this offer.
Applications from 23 March 2026 until withdrawn. 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 25 October 2026, 9:18 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 25 October 2026, 9:18 pm AEDT
Arab Bank Australia
Rate discount
Basics home loan: life-of-loan rate discount
Advertised low-LVR owner-occupied Basics offer discounts the standard variable rate by 3.14 percentage points for the life of the loan.
No fixed closing date published. The lender may change or withdraw this offer.
For new customers or existing customers buying a new owner-occupied property. The advertised offer is for owner-occupied principal-and-interest lending with LVR up to 60%.
Apply directly to Arab Bank Australia; customers approaching through a paid or unpaid referrer are excluded from this offer.
Higher-LVR and investment special rates are separate; confirm your applicable discount with the bank. Do not assume the 3.14-point discount applies to every tier.
The discount continues for the life of the loan, but the underlying variable rate can change. The offer may be withdrawn at the bank’s discretion.
Lending criteria, loan fees and other charges apply; LMI is required above 80% LVR. No fixed closing date is stated.
Source checked 25 October 2026, 9:29 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.
The lender's rate sheet issued 13 October 2026 lists the discount for Apollo Max variable owner-occupied principal-and-interest and interest-only loans bundled with Apollo Max Investor.
Apollo Max pricing in that sheet covers LVR bands up to 80%. Confirm the required loan amounts, bundle structure and ongoing eligibility with an eligible Apollo broker.
This is separate from the first-year offset-fee promotion. The rate sheet states no end date for the bundle discount; do not assume the offset promotion's deadline also applies.
Normal lending criteria and product fees apply, including applicable settlement, offset and discharge fees. Variable rates can change.
Source checked 25 October 2026, 9:21 pm AEDT
Australian Mutual Bank
Fee waiverOngoing benefit
$300 annual package fee waived for eligible essential-worker first-home buyers
Eligible first-home buyers in listed essential occupations have the Your Way Plus $300 annual package fee waived.
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.
Apply directly through Australian Mutual Bank’s website or staff-assisted channels. Its Your Way Plus target market determination excludes Australian Mutual Bank from accredited-broker distribution.
Source checked 25 October 2026, 9:18 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.
Applications from 8 October 2026Apply by 31 December 2026Fund / settle by 30 March 2027
Apply from 8 October to 31 December 2026 and settle before 31 March 2027.
New borrowers only; switching an existing Bank of China home loan is excluded. Australian income assessment applies.
Quoted pricing is for owner-occupied principal-and-interest loans at LVR up to 80%. Higher-LVR and interest-only pricing differs.
Discount Plus includes full offset. Fees, minimum loan amounts and lender credit approval apply; confirm product eligibility with the bank.
Variable rates can change. Comparison rates use a secured $150,000 loan over 25 years; different amounts, terms and fees change the comparison.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Source checked 25 October 2026, 9:29 pm AEDT
Bank of Melbourne
Rate discount
Basic home loan promotional rate discount
Life-of-loan discount of 1.82 percentage points for new owner-occupied P&I loans, or 2.15 points for investment P&I loans.
Applications from 24 November 2023No fixed closing date published. The lender may change or withdraw this offer.
New Basic Home Loan applications with principal-and-interest repayments, received from 24 November 2023.
An additional 0.10 percentage-point discount applies at initial LVR up to 70%. Above 80% LVR, the advertised pricing adds a 0.30-point margin; property and lending limits apply.
Internal refinancing and switches within Westpac, St.George, Bank of Melbourne or BankSA are excluded.
The promotional discount lasts for the loan; the underlying variable interest rate can change. The lender may vary or withdraw the offer.
$0 lending establishment and monthly account fee; other fees may apply. Apply through the lender or confirm eligibility for your chosen application channel.
Source checked 25 October 2026, 9:29 pm AEDT
Bank of Melbourne
Fee waiverOngoing benefit
LMI waiver for eligible healthcare professionals
No lenders mortgage insurance at up to 90% or 95% LVR, depending on the eligible healthcare profession and income criteria.
No fixed closing date published. The lender may change or withdraw this offer.
Up to 90% LVR for listed healthcare professions earning at least $90,000 a year, including registered nurses, midwives and specified allied-health, pharmacy and veterinary professions.
Up to 95% LVR for dentists, GPs, hospital-employed doctors and eligible medical specialists, with no minimum income threshold for this waiver. Normal ability-to-repay assessment still applies.
Available across eligible variable and fixed loans for an owner-occupied or investment property. Self-employed and casual professionals may qualify under the applicable assessment rules.
Exact profession, registration, security and credit requirements apply; ask the lender to confirm borrowing limits. Non-Australian-resident borrowers are excluded.
No fixed end date is published. Other loan fees and conditions apply. The separate overtime/allowance policy for trades and emergency workers does not itself establish LMI-waiver eligibility.
Source checked 25 October 2026, 9:25 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.
For new FlexiDiscount lending up to 90% of property value. Construction loans are excluded from the fee waiver.
The campaign covers eligible purchases and refinancing; apply through the Bank of us enquiry process and confirm Tasmanian lending eligibility.
The page does not publish a closing date, dollar saving or full itemised list of waived fees. Confirm the covered fees and any LMI or third-party costs before applying.
Normal lending criteria, terms and other fees apply. Variable interest rates can change.
Source checked 25 October 2026, 9:21 pm AEDT
Bank of us
Rate discount
Partner organisation rate discount
An extra 0.10 percentage point discount on eligible home and residential investment loan rates.
Applications from 24 November 2023No fixed closing date published. The lender may change or withdraw this offer.
New Basic Home Loan applications with principal-and-interest repayments, received from 24 November 2023.
An additional 0.10 percentage-point discount applies at initial LVR up to 70%. Above 80% LVR, the advertised pricing adds a 0.30-point margin; property and lending limits apply.
Internal refinancing and switches within Westpac, St.George, Bank of Melbourne or BankSA are excluded.
The promotional discount lasts for the loan; the underlying variable interest rate can change. The lender may vary or withdraw the offer.
$0 lending establishment and monthly account fee; other fees may apply. Apply through the lender or confirm eligibility for your chosen application channel.
Source checked 25 October 2026, 9:29 pm AEDT
BankSA
Fee waiverOngoing benefit
LMI waiver for eligible healthcare professionals
No lenders mortgage insurance at up to 90% or 95% LVR, depending on the eligible healthcare profession and income criteria.
No fixed closing date published. The lender may change or withdraw this offer.
Up to 90% LVR for listed healthcare professions earning at least $90,000 a year, including registered nurses, midwives and specified allied-health, pharmacy and veterinary professions.
Up to 95% LVR for dentists, GPs, hospital-employed doctors and eligible medical specialists, with no minimum income threshold for this waiver. Normal ability-to-repay assessment still applies.
Available across eligible variable and fixed loans for an owner-occupied or investment property. Self-employed and casual professionals may qualify under the applicable assessment rules.
Exact profession, registration, security and credit requirements apply; ask the lender to confirm borrowing limits. Non-Australian-resident borrowers are excluded.
No fixed end date is published. Other loan fees and conditions apply. The separate overtime/allowance policy for trades and emergency workers does not itself establish LMI-waiver eligibility.
Source checked 25 October 2026, 9:25 pm AEDT
BankVic
Cashback
$3,000 cashback for eligible BankVic members
$3,000 cashback on eligible new purchase or external refinance loans for qualifying BankVic members.
Applications from 13 October 2026No fixed closing date published. The lender may change or withdraw this offer.
For new and current BankVic members who qualify as emergency, health or government workers, or their immediate family.
New purchase or external refinance applications from 13 October 2026; eligible owner-occupier and investor loans.
At least $350,000 must be funded, excluding offset funds and available redraw; maximum 80% LVR.
Fully settle and fund within 180 days of unconditional approval issued while the offer is available. Construction loans require every progressive drawdown to be completed; bridging eligibility uses the residual or end loan.
One cashback per eligible new mortgaged property. Split loans may be combined for that property, but do not create additional cashback payments.
Paid within 8 weeks of full drawdown or settlement to a same-name BankVic transaction or savings account, or to the loan if no payment instructions are received.
Internal refinances and rewrites are excluded. Cannot combine with another BankVic cashback; previous BankVic cashback recipients may be ineligible. Standard lending criteria, fees and membership conditions apply.
No fixed closing date is published; BankVic may vary or end the offer. Confirm eligibility and application arrangements directly with BankVic.
Source checked 25 October 2026, 9:21 pm AEDT
BankVic
Cashback
$4,000 cashback for eligible police borrowers
$4,000 cashback on eligible new purchase or external refinance loans for qualifying police borrowers.
Applications from 13 October 2026No fixed closing date published. The lender may change or withdraw this offer.
For current police employees, or retired police who are existing BankVic members. The definition also covers eligible protective service and police custody officers, police-force or AFP employees and TPAV, AFPA or NTPA members.
New purchase or external refinance applications from 13 October 2026; eligible owner-occupier and investor loans.
At least $350,000 must be funded, excluding offset funds and available redraw; maximum 80% LVR.
Fully settle and fund within 180 days of unconditional approval issued while the offer is available. Construction loans require every progressive drawdown to be completed; bridging eligibility uses the residual or end loan.
One cashback per eligible new mortgaged property. Split loans may be combined for that property, but do not create additional cashback payments.
Paid within 8 weeks of full drawdown or settlement to a same-name BankVic transaction or savings account, or to the loan if no payment instructions are received.
Internal refinances and rewrites are excluded. Cannot combine with another BankVic cashback; previous BankVic cashback recipients may be ineligible. Standard lending criteria, fees and membership conditions apply.
No fixed closing date is published; BankVic may vary or end the offer. Confirm eligibility and application arrangements directly with BankVic.
Source checked 25 October 2026, 9:21 pm AEDT
BankWAW
Fee waiver
Refinance fee waiver up to $2,200
Up to $2,200 of eligible BankWAW establishment, valuation, property-search and agreed loan set-up fees waived.
Applications from 1 September 2026Apply by 31 January 2027Approval by 31 January 2027
External refinance of at least $150,000 for an owner-occupied or investment home loan. Existing BankWAW refinances, restructures and switches excluded.
Applications must be received and loans approved during the campaign, from 1 September 2026 to 31 January 2027, or earlier if fully subscribed. No separate funding deadline is stated.
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.
Available directly or through an accredited broker; Rate Challenge accreditation for this offer has not been verified.
Applications from 21 August 2026No fixed closing date published. The lender may change or withdraw this offer.
Apply through BCU’s online offer; owner-occupier purchase, external refinance or top-up.
At least $100,000 new borrowing and LVR no more than 80%.
Broker, branch, mobile-lender and contact-centre applications excluded; no construction or other loan products.
Cannot combine with another home loan offer. Discount applies to approved and settled loans; variable rates may change.
$300 document-preparation fee; no monthly maintenance fee. Other applicable fees and charges remain.
Eligible online applications from 21 August 2026. The lender may withdraw the offer, but applications received before withdrawal retain eligibility subject to the conditions.
Applications from 1 September 2026Apply 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 25 October 2026, 9:18 pm AEDT
Beyond Bank
Cashback
$2,000 salary-packaging invitation cashback
$2,000 for eligible invited existing salary-packaging members.
Applications from 9 July 2026Apply by 31 December 2026Fund / settle by 30 March 2027
Existing Beyond Bank salary-packaging membership and a lender invitation are required. Apply directly through its website, telephone or branch; this is not a broker-channel offer.
New owner-occupier or investment lending of at least $250,000. Bridging, construction and Land Rent Scheme loans are excluded.
Apply 9 July–31 December 2026 inclusive; settle before 31 March 2027.
One payment per application; no further cashback within 12 months. Cannot combine with another offer or further discount.
Paid within 30 days of settlement into a borrowers’ Beyond Bank Mortgage Offset or Purple Transactor account. Lender may vary or withdraw; lending criteria, fees and charges apply.
Source checked 25 October 2026, 9:21 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%.
Applications from 3 September 2026No 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.
Border Bank may reject, cancel or recover cashback for suspected fraud, misrepresentation or illegal conduct. Standard loan fees and charges apply.
Source checked 25 October 2026, 9:18 pm AEDT
Coastline Bank
Other benefitOngoing benefit
$150 gift card each for eligible referrals
An existing Coastline member and their referred home-loan borrower each receive a $150 EFTPOS gift card after an eligible loan is approved and funded.
No fixed closing date published. The lender may change or withdraw this offer.
The referrer must be a Coastline Bank member. Complete the referral flyer and give it to the Coastline Lending Specialist when applying.
One $150 card for each side per funded loan. Joint borrowers receive one card per loan, not one each. Rewards are provided within 30 days after funding.
Coastline employees, directors and their immediate families are excluded. Credit criteria, fees and terms apply.
No fixed end date is published; Coastline may change or end the offer. Confirm the referral process before applying.
Source checked 25 October 2026, 9:21 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 25 October 2026, 9:18 pm AEDT
Commonwealth Bank
Other benefitOngoing benefit
Up to 20,000 annual CommBank Yello points
Eligible package home-loan customers can receive 10,000 CommBank Yello points a year at Gold tier or 20,000 at Diamond tier.
No fixed closing date published. The lender may change or withdraw this offer.
For eligible Standard Variable Rate or Fixed Rate home loans receiving Package benefits, held in a personal name. Corporate package holders are excluded.
You must hold an eligible packaged loan and qualify for CommBank Yello Gold or Diamond on the annual assessment date. Yello program eligibility, including an eligible transaction account, applies.
Assessed on the relevant settlement, funding or package anniversary. Points are generally paid within 31 days afterwards.
One points allocation per package per year, regardless of the number of loans or borrowers. For two package holders, only one receives the points.
The package carries a $395 annual fee payable in advance. This ongoing benefit is separate from the online home-loan sign-up offer; other fees and terms apply.
Source checked 25 October 2026, 9:23 pm AEDT
Community First Bank
Fee waiverOngoing benefit
No LMI up to 90% LVR for eligible professions
Eligible community professionals can borrow up to 90% LVR without lenders mortgage insurance through Community Advantage.
No fixed closing date published. The lender may change or withdraw this offer.
For new lending up to $1.2 million to buy or build an owner-occupied or investment property, with principal-and-interest repayments only.
At least one borrower, not just a guarantor, must work in an eligible profession. These include police, ambulance/paramedics, qualified registered nurses, professional firefighters, licensed school teachers and specified legal, accounting, medical, dental and veterinary professions.
Some suburb exclusions apply. Community First decides final profession eligibility; lending criteria and terms apply.
A $600 application fee applies, including one standard valuation and legal fees for one security property. Other applicable fees remain payable.
Apply online, by phone or through a Community First store. No fixed closing date is published.
Source checked 25 October 2026, 9:21 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 retired SA education employees, education students and eligible immediate family: parents, children, grandparents, grandchildren, siblings and partners. The broader FAQ also mentions former employees; confirm cashback eligibility if you are a former employee who is not retired.
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 25 October 2026, 9:18 pm AEDT
Granite Home Loan
Fee waiverOngoing benefit
Lender-paid LMI for eligible professionals and essential workers
Granite pays the LMI premium on eligible professional loans up to 95% LVR and essential-worker loans up to 90% LVR.
No fixed closing date published. The lender may change or withdraw this offer.
Owner-occupied residential purchases with principal-and-interest repayments; maximum 30-year term. Metro and inner-city properties only; construction and vacant land excluded.
Professional eligibility depends on the main income earner having an accepted university qualification or IT certification and an eligible occupation.
Essential-worker eligibility requires a borrower to be permanent full time, off probation, in an eligible police, firefighting, paramedic, teaching or registered-nursing role.
Essential workers need at least $5,000 genuine savings. Professionals may qualify without genuine savings, subject to criteria.
Australian citizens or permanent residents with clear credit history, full income documentation and satisfactory financial-habits assessment. Credit assessment and lending criteria apply.
Applications are submitted through Loanapp. Other loan, valuation and legal costs may apply; lender-paid LMI does not remove those costs.
Source checked 25 October 2026, 9:30 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.
Applications from 1 September 2026Apply 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; approval is required and the loan must be 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.
Product fees and charges apply; this cashback does not waive establishment fees.
Source checked 25 October 2026, 9:18 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%.
Applications from 15 August 2024No 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 25 October 2026, 9:18 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 25 October 2026, 9:18 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.
Applications from 23 June 2025No 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 25 October 2026, 9:18 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. Available directly through Horizon Bank staff.
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.
Minimum loan $50,000. Borrowers must be Horizon members, aged 18 or older and Australian residents; lending criteria apply.
Principal-and-interest variants: up to 80% LVR, or up to 95% with lenders mortgage insurance. Investment interest-only variant: up to 79% LVR.
Distribution is restricted to trained Horizon Bank staff via branches, phone or online banking; this offer is not available through Rate Challenge as a broker.
Rates schedule effective 12 October 2026. Owner-occupied and investment P&I TMDs effective 12 May 2025; investment interest-only TMD effective 18 May 2026. Fees, third-party costs and the loan contract still apply.
A $350 establishment fee and $150 annual loan fee apply. The optional offset facility costs a further $150 annually. Third-party costs can also apply; your loan contract sets the charges.
Source checked 25 October 2026, 9:18 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.
For Holbrook Football Netball Club members under Hume Bank's Partnership Banking Offer; other partner organisations require Hume confirmation.
Request the benefit directly from a Hume Bank representative, not through a third party.
Benefits may be cancelled if the customer or joint applicant ceases membership of Hume Bank or the partner organisation, or if the partner leaves the program.
Generally cannot combine with other offers or negotiated discounts. Lending criteria, product fees and other conditions apply; no fixed closing date is published.
The page continues to advertise the benefit, but its benefit footnote is dated 12 February 2024 and says discounts can vary. Confirm the current partnership discount with Hume before applying.
Source checked 25 October 2026, 9:21 pm AEDT
Hume Bank
Rate discountOngoing benefit
Holbrook club members: 0.25-point myBlue discount
0.25 percentage points off advertised variable and fixed myBlue home-loan rates.
No fixed closing date published. The lender may change or withdraw this offer.
For Holbrook Football Netball Club members under Hume Bank's Partnership Banking Offer; other partner organisations require Hume confirmation.
Request the benefit directly from a Hume Bank representative, not through a third party.
Benefits may be cancelled if the customer or joint applicant ceases membership of Hume Bank or the partner organisation, or if the partner leaves the program.
Generally cannot combine with other offers or negotiated discounts. Lending criteria, product fees and other conditions apply; no fixed closing date is published.
The page continues to advertise the benefit, but its benefit footnote is dated 12 February 2024 and says discounts can vary. Confirm the current partnership discount with Hume before applying.
Source checked 25 October 2026, 9:21 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.
Applications from 15 May 2026No 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 25 October 2026, 9:18 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 25 October 2026, 9:21 pm AEDT
loans.com.au
Cashback
$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 25 October 2026, 9:21 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.
Applications from 28 August 2026Apply by 28 February 2027
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 25 October 2026, 9:21 pm AEDT
NAB
Fee waiverOngoing benefit
LMI waiver for eligible professionals
Selected practising medical, legal and finance professionals may qualify for a lenders mortgage insurance waiver on a NAB home loan.
No fixed closing date published. The lender may change or withdraw this offer.
Eligibility depends on the exact profession, professional registration, loan type and LVR. The public guide does not state a single LVR limit or loan cap for every profession.
Eligible fields include selected medical practitioners, accountants, actuaries, financial analysts, barristers, lawyers and solicitors; required registration or practising certificates apply.
Discuss the relevant profession and borrowing limits with a NAB home lending expert or broker. Normal credit assessment and other loan fees and conditions apply.
Source checked 25 October 2026, 9:21 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.
Applications from 2 February 2026No 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 25 October 2026, 9:21 pm AEDT
P&N Bank
Rate discount
Online-only 0.30-point home-loan discount
0.30 percentage points off the standard Basic Variable Home Loan rate for eligible online applications.
Applications from 21 August 2026No fixed closing date published. The lender may change or withdraw this offer.
Australian residents aged 18+; owner-occupied purchase or refinance, with at least $100,000 new borrowing and maximum 80% LVR including fees. First-home buyers may qualify.
Existing P&N refinances require at least $100,000 additional new borrowing. Split loans can qualify, but the discount applies only to eligible Basic Variable portions and each split must meet its product minimum.
Apply directly online. Broker, branch, mobile-lender and contact-centre applications are excluded. Investment, construction, bridging and equity-line loans are excluded.
Cannot combine with another home-loan offer. $300 document-preparation fee and other applicable charges and lending criteria remain.
No fixed closing date is advertised. P&N may amend or withdraw the offer without notice; applications received earlier retain the terms applying at submission.
Apply through the lender’s online offer to qualify.
Source checked 25 October 2026, 9:21 pm AEDT
People First Bank
Other benefit
$1,000 upfront fee rebate
$1,000 paid after an eligible refinance is fully drawn.
Applications from 3 September 2026No 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 25 October 2026, 9:21 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. Owner-occupied and residential investment variable loans are direct-only.
At least $150,000 new lending; owner-occupied or residential investment with principal-and-interest repayments; LVR no more than 80%.
No package fee applies until 31 December 2026; confirm the required application/settlement timing with the lender.
Excludes construction and specified business/commercial loans to trusts or SMSFs. Other third-party and loan fees still apply.
Subject to lending criteria; offer may change or be withdrawn.
Owner-occupied and residential investment variable Low Rate loans are distributed directly by Police Credit Union only, excluding mortgage brokers and other third-party distributors. Both target market determinations were last reviewed 26 March 2026.
Rate schedule effective 13 October 2026; home-loan fee schedule as at 1 October 2026. Full loan terms and third-party costs still apply.
Source checked 25 October 2026, 9:21 pm AEDT
Qantas Money
Other benefit
200,000 Qantas Points on eligible new loans
200,000 upfront points on eligible loans of $500,000 or more. Apply directly by 27 October 2026.
Applications from 3 September 2026Apply by 27 October 2026Fund / settle by 27 April 2027
Apply through the Qantas Money Home Loans website. This offer cannot be assumed available through a broker. Australian-resident Qantas Frequent Flyer membership and lender criteria apply.
New purchase or refinance of established property; security must not already be mortgaged with Qantas Money. Construction and off-the-plan excluded. Up to six properties, with a maximum of one owner-occupied and five investment properties.
200,000 upfront points total, including the usual 100,000 settlement points, credited within eight weeks subject to campaign and points-policy conditions, no arrears/default or hardship relief. Joint borrowers can choose allocation. Not combinable unless specified; may be withdrawn or extended.
Basic and Offset product fees: $150 establishment, $345 application and $345.40 standard settlement service fee. Basic has no monthly service fee; Offset is $15 monthly per loan account. These are not the Atlas product fees. LMI, registration and other applicable costs are extra.
Separate ongoing 100,000-point annual benefit is earned first at 15 months, then every 12 months for up to 30 years; allocation within eight weeks. This is not an additional upfront 100,000 points.
Points policy for approvals from 23 September 2026 can suspend annual rewards: first-year average net balance below $250,000, or 70%+ offset / ahead repayments for 12 months cumulatively over three years, are identified as unreasonable use. See the full policy.
LVR and property restrictions depend on product and loan size; confirm the selected product’s eligibility with Qantas Money. Atlas currently requires at least 20% equity and is available for refinancing only.
Apply by 11:59pm AEDT on 27 October 2026 and settle by 11:59pm AEST on 27 April 2027. Full Qantas program rules also apply. Compare total borrowing cost, not points alone.
Apply through the lender’s online offer to qualify.
Atlas is separately funded by ColCap: $0 establishment fee, $345 application fee, $345.40 standard solicitors documentation fee and $349 annual facility fee; other costs may apply. Confirm the selected product and its points conditions.
Source checked 25 October 2026, 9:21 pm AEDT
QBank
Fee waiverOngoing benefit
Up to $700 valuation and legal costs covered
Up to $700 toward valuation and mortgage legal costs on eligible owner-occupied Classic and Fixed home loans.
No fixed closing date published. The lender may change or withdraw this offer.
QBANK membership eligibility applies, including eligible Queensland public-service, health, emergency-service and community-service groups, former eligible members and qualifying relatives. Confirm membership directly with QBANK.
Salary credit of at least $1,500 each month must be deposited into a QBANK transaction account. Classic variable special rates require principal-and-interest repayments.
Cost coverage is capped at $700 and is not a cash payment. Government charges and a $195 settlement fee still apply, or $295 for a construction loan.
This coverage is stated for Classic and Fixed owner-occupied products; Classic Plus has separate package terms. Other loan fees, lending criteria and full contract terms apply.
No public closing date is stated. Confirm current eligibility, available loan amount and property requirements with QBANK before applying.
Source checked 25 October 2026, 9:22 pm AEDT
Queensland Country Bank
Fee waiver
$1 annual package fee for life
$1 a year instead of the standard $395 annual package fee on an eligible owner-occupied Special Variable Package loan.
Applications from 15 September 2026Apply by 30 November 2026
Applications received 15 September–30 November 2026 for new owner-occupied, principal-and-interest Special Variable Package loans under the Ultimate Home Loan Package.
At least $100,000 in new borrowing with standard residential security. Current Special Variable Package pricing includes LVR bands up to 95%; confirm the promotion and pricing applicable to your LVR. Lenders mortgage insurance may apply above 80%.
Restructures of existing Queensland Country loan facilities are excluded. The offer may be withdrawn before a loan contract is entered into.
Broker-channel availability and a separate approval or settlement deadline have not been verified. Lending criteria, other fees and contract terms apply.
Variable interest rates can change. Confirm current pricing with Queensland Country Bank; the $1 annual fee is a conditional package promotion.
Source checked 25 October 2026, 9:21 pm AEDT
South West Slopes Credit Union Ltd
Rate discount
0.40 percentage point discount for 12 months
A 0.40 percentage point reduction from SWSbank’s advertised owner-occupied standard variable rate for the first year.
No fixed closing date published. The lender may change or withdraw this offer.
Up to 90% LVR for listed healthcare professions earning at least $90,000 a year, including registered nurses, midwives and specified allied-health, pharmacy and veterinary professions.
Up to 95% LVR for dentists, GPs, hospital-employed doctors and eligible medical specialists, with no minimum income threshold for this waiver. Normal ability-to-repay assessment still applies.
Available across eligible variable and fixed loans for an owner-occupied or investment property. Self-employed and casual professionals may qualify under the applicable assessment rules.
Exact profession, registration, security and credit requirements apply; ask the lender to confirm borrowing limits. Non-Australian-resident borrowers are excluded.
No fixed end date is published. Other loan fees and conditions apply. The separate overtime/allowance policy for trades and emergency workers does not itself establish LMI-waiver eligibility.
Source checked 25 October 2026, 9:25 pm AEDT
Summerland Bank
Fee waiver
First-home-buyer LMI waiver
Eligible first-home buyers may avoid lenders mortgage insurance with a deposit from 15%.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible first-home buyers with a deposit from 15%; Summerland’s advertised first-home-buyer variable rates are for owner-occupied principal-and-interest loans up to 85% LVR.
A guarantor is not required for this 15% deposit offer. Separate guarantor arrangements apply for smaller deposits.
Credit, property and lender eligibility criteria apply. Other purchase and loan costs still need to be budgeted for.
Can be combined with Summerland’s first-home-buyer interest rates; confirm current eligibility with the lender.
Source checked 25 October 2026, 9:21 pm AEDT
The Capricornian
Cashback
Up to $750 cashback with a new home loan and CGU insurance
$250 cashback for a new funded loan of $250,000–$499,999; $500 for $500,000–$749,999; $750 for $750,000 or more, with an eligible new CGU insurance policy.
Applications from 28 September 2026Offer ends 30 October 2026
Requires a new funded Capricornian Bank home or investment loan of at least $250,000 and purchase of an eligible new CGU insurance policy during the promotional period.
Purchase the qualifying policy by 5:00pm AEST on 30 October 2026 and keep it in force for at least 90 days.
Eligible policies: combined home buildings and contents, home building, landlords building, or combined landlord buildings and contents insurance.
Pre-existing policies do not qualify. Cancelling an existing policy and buying the same eligible policy does not qualify; changing to a different eligible policy may qualify.
One cashback per member, even if multiple eligible policies are purchased. Cashback is paid into the member’s nominated Capricornian Bank account.
Eligible members are advised 90 days after policy inception, with payment within the following 30 days.
Promoter staff, officers, management and their immediate families, and associated agencies, companies or participating premises are excluded.
Insurance premiums, loan costs and ordinary eligibility criteria apply. The terms do not expressly state broker-channel eligibility; confirm eligibility with the bank.
Source checked 25 October 2026, 9:30 pm AEDT
The Mac
Rate discount
Two-year rate discount for owner-occupiers
A 2.00 percentage point discount for the first two years on The Mac’s Discounted Basic Variable Home Loan.
No fixed closing date published. The lender may change or withdraw this offer.
Requires at least one commercial property security and one or more residential property securities; this is not a standalone residential refinance offer.
Published combo terms limit commercial loans to $4 million and residential loans to $2.5 million, with full-documentation and mid-documentation options subject to credit criteria.
The $990 package includes residential and commercial establishment fees, residential valuations and standard legal work for both loan components.
Commercial valuations, settlement charges, legal disbursements, title insurance, lease reviews and above-standard legal work are additional borrower costs.
Available through a Thinktank-accredited broker, subject to current product rules, credit approval and property eligibility. Obtain a current written fee quote before proceeding.
Source checked 25 October 2026, 9:30 pm AEDT
Unity Bank
Fee waiver
Essential workers: up to $1,000 toward costs
Up to $1,000 toward third-party valuation, registration, mortgage preparation and title-search costs.
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 25 October 2026, 9:21 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 25 October 2026, 9:21 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.
Applications from 30 March 2026No 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 25 October 2026, 9:21 pm AEDT
Virgin Money
Other benefitOngoing benefit
100,000 points on a $500k Loaded loan
Earn 2,000 Virgin Money Points per full $10,000 advanced, plus 2,000 monthly points per eligible borrower. An ongoing conditional rewards benefit, not automatic cash or Velocity Points.
No fixed closing date published. The lender may change or withdraw this offer.
New Loaded Home Loan only for settlement points. Existing Virgin Money refinances, top-ups and further advances are excluded. All relevant loan accounts must remain open and no default occur before crediting. Settlement points are divided equally between joint borrowers.
Monthly points require an outstanding balance at month-end and no default under any Virgin Money home-loan contract at that time. Virgin Money app access is required for rewards participation.
Loaded annual fee is $295, first payable on lending, then around each settlement anniversary. A waiver may apply when another Loaded loan in the same names and capacity already incurs that fee. A $150 settlement fee and other applicable lending costs remain; valuation costs are covered up to $300.
Lite loans do not earn settlement points; their separate ongoing benefit is 1,000 monthly points per eligible borrower. Lite has no annual fee.
Rewards terms effective 5 June 2026. Point balances may take up to five business days to update; incorrect credits or reversed transactions can be reversed. Points can expire after two years without earning or redemption.
No fixed application or settlement deadline, maximum settlement-points cap or special early-refinance clawback is stated in the selected home-loan rewards clauses. Full program and loan terms apply; broker availability is not verified.
The $500,000 example is illustrative, not a required reward threshold. Loan amount, security/LVR, purpose and pricing remain product-specific. Public pricing panels differ on their minimum-loan wording, so no advertised rate or approval claim is reproduced.
Cash redemption or transfer to a participating loyalty program requires a separate redemption and current conversion terms. Compare rates and fees before valuing rewards.
Source checked 25 October 2026, 9:21 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.
This staff rate is available only to Woolworths Group and Endeavour Group team members. General bank membership, an Everyday Rewards account or family membership alone does not establish eligibility for the staff rate.
Team Member home loans are available up to 80% loan-to-value ratio. A $299 establishment fee applies; no annual fee is listed. Other fees and credit criteria apply.
Contact the bank for the rate and comparison rate applicable to your circumstances. The published staff variable pricing is lower than corresponding non-staff options; no permanent discount margin is promised.
The lower-priced variable option and fixed options listed do not have an offset account; confirm product features before choosing.
At the end of a staff fixed-rate period the loan reverts to the then-current Team Member variable rate. Products and rates can be changed or withdrawn without notice.
Source checked 25 October 2026, 9:22 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, member or package features that may not have a fixed end date.
After 24 hours, a listing is marked as previously advertised until it is checked again. Offers past a recorded deadline or with unresolved material terms are hidden. Offers can change or be withdrawn earlier, so check the lender’s current terms before applying.
Some offers require a direct application, membership, a partner invitation or a particular broker channel. An enquiry goes to us and does not itself secure a lender offer. We will confirm whether the offer is available through our service.
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.
