Who are Home Loan Cash Back?

We are an innovation in the mortgage broking industry and the best online cashback mortgage broker option. Being the best cash back mortgage broker is important to us so we work alongside over 40 lender partners. You will receive the best home loan rates that suit your circumstances with the best mortgage cash back rebates on your home loan. Thinking about applying for a mortgage online, think Home Loan Cash Back. Bank refinance cash back rebates are also available in addition to our mortgage cash back. With 5 star customer reviews on Google and the best morgage deals with cash back, Get Started today!

We also offer cash back on Life Insurance, Income Protection Insurance, Trauma and TPD under general advice. Home & Contents Insurance & Car Insurance also offer cash back through our preferred partners. You will receive cashback on all your insurance policies set up through Home Loan Cash Back and our selected partners.

What are Broker Upfront & Trailing Commissions?

Understanding upfront and trailing commissions starts with an intro into how mortgage brokers work.

When we introduce home loan customers to banks, scouring the market for the best deals for you of course, we receive a commission from whichever lender you choose to borrow with. On top of an initial commission, called the “upfront” commission, we also receive “trailing” commissions that are paid by the banks as an ongoing payment.

When we introduce home loan customers to banks, scouring the market for the best deals for you of course, we receive commissions from your chosen lender. We offer great service and deals although we give back 100% of the broker trailing commissions to customers for the life of the loan.

Trailing commissions are an ongoing payment made to mortgage brokers for as long as you keep the loan in place. Traditional mortgage brokers retain 100% of their commission or share it with their referrers, where as we share it with no one but you!

The rates of commission can change from one bank to the next. On average, the trailing commission can be between 0.15% and 0.30% of your outstanding loan balance each year.

With Home Loan Cash Back, as long as your loan application is for at least $350,000, will give you 100% of the broker trailing commissions, so you can save more on your mortgage! It is like getting mates rates cash back with no fees!

We’re Here for You

To ensure we are being responsible, we work with qualified insurance general advisers who can review or help set up Life Insurance, Income Protection, Trauma and TPD insurance. We can also assist with Home & Contents & Car Insurance.

Your home is your biggest and most important investment. That’s why Home Loan Cash Back are devoted to helping you protect it. Not only do we find you the best mortgage deals, we also help you find personal insurance solutions to protect your lifestyle and home against unfortunate circumstances.

What’s more, you receive great cash back on any insurance policies taken out using our excellent partners!

Our Simple Process


Use our loan selection process to compare some home loan offers and see how much cash back you can receive.


Enter your experienced mortgage broker who will guide you through every step of your mortgage application, right through to settlement and beyond.


Congratulations on your new loan! You will be delighted with our service along with the broker trailing commission cash back you will receive for the life of the loan.

At Home Loan Cash Back, we also perform regular reviews to ensure you’re always on the best cash bank mortgage offer we can find.

Get Started Cash Back Calculator

You Are in Safe Hands

Home Loan Cash Back are your trusted partner. We’ve been in the loan industry for over 10 years which gives us the confidence of having the expertise you need to navigate the mortgage minefield. We operate under a credit licence that has been in place for over a decade and our brokers are members of the Mortgage Finance Association of Australia (MFAA) and other industry bodies which gives you the comfort and assurance of dealing with safe and experienced finance professionals. We believe the best cashback mortgage broker deals are available through Home Loan Cash Back.

Our cashback mortgage broker offer is an innovation in the mortgage broking industry. We believe we are the best mortgage broker you will find who always gives you the best cash back on your mortgage.

Some of The Partners We Work With