Who are Home Loan Cash Back?

We are an innovation in the mortgage broking industry. Working alongside over 40 lender partners, including the major banks, second-tier providers and many others, we always work to give you the best market rates that suit your circumstances with maximum cash back on your mortgage.

We also offer cash back on Life Insurance, Income Protection Insurance, Home & Contents Insurance & Car Insurance through our preferred partners. You will receive 50% of the commissions we receive for your insurance policies

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 every month.

Trailing commissions are an ongoing payment made to mortgage brokers for as long as you keep the loan that was introduced 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 upfront commission is around 0.65% of the loan, while 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 split all of this with you 50/50, so you can save more on your mortgage!

We’re Here for You

To ensure we are being responsible, we are also a fully qualified insurance general adviser 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 50% of the commissions that we receive on your insurance policies too!

Our Simple Process


Use our loan selection process to compare loan offers and see how much upfront and ongoing trailing commissions you could 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 upfront and ongoing cash back you will receive each month!

At Home Loan Cash Back, we also perform regular reviews to ensure you’re always on the best deal!

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 ten years and are a full member of the Mortgage Finance Association of Australia and other associations which gives you the comfort and assurance of dealing with safe and experienced finance professionals.

Our cash back mortgage 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