Home Loan Cash Back


Suite 859, 585 Little Collins Street,
Melbourne VIC 3000


737 Burwood Road, Hawthorn East VIC 3123


We’re open Monday – Friday, 8:30 a.m. – 5:30 p.m.

Frequently Asked Questions

Please read our FAQ or feel free send us a message.

How Much Cash Back Do I Get?

The amount that you get from your cash back will depend on the lender in question. Some providers offer larger commissions than others, but we'll be able to tell you what to expect during the application process.

As a general rule, the banks pay between 0.15% - 0.30% per year in trailing commissions on the loan amount outstanding. 100% of these are paid to you on an annual basis.

How Do I Receive My Cash Back?

100% of the broker trailing commissions are collated and paid to you every year. There are no fees or deductions taken from this so you will always receive 100% of the broker trailing commissions

Through our group of companies, all commissions through the products & services you have through us are paid into your nominated bank account each year.

The best mortgage cash back offer is what we firmly believe we offer at Home Loan Cash Back

Can You Help Me Compare Loans?

Yes, absolutely! We're still a full service mortgage broker business, which means that we do everything a standard mortgage broker would do with more, you get 100% of the bank trailing commissions we receive. We'll help you find the best deals on the market, and be with you throughout your application and beyond with a great cash back mortgage.

Do I Have to Pay anything?

No! We're about giving you the money you need back from your mortgage. That means that you don't have to pay any money. Basically, when you work with us, we get you the best deal from over 40 banks & lenders based on requirements and circumstances along with 100% of the broker trailing commissions.

You get 100% trailing commissions in cash-back, deposited directly to your chosen account. The only time we would ever ask you for money is if you needed to pay out your loan in less than 24 months, and the bank requested a return of the commissions.

In other words, if you're planning on paying back your loan in less than two years, then you might not want to take advantage of this deal. However, if you want to change your mortgage after two years, we can help you all over again!

How Do Trailing Commissions Work?

Banks offer brokers ongoing "trailing commissions" as ongoing payments to mortgage broker which are paid on the loan amount owing to the bank less and surplus or money in an offset account. We collect these payments and you receive 100% of the trailing commissions every year into your nominated bank account. 

How Does Insurance Cash Back Work?

Petty much the same as with home loans. We & our partners will obtain the required information and present options that fit your requirements for the best value. Once we receive the commissions from the insurance company, you will receive around 40%-50% of the commissions we receive.

What is the process?

We have years of experience in the industry, so we work with you every step of the way.
We'll assign you a qualified finance professional who guides you through your application process, after an initial interview that allows us to gather all the information we need in thirty minutes or less. From there, we'll gather the documents required, you'll go through an ID process, and we'll take care of the rest.
Working with Home Loan Cash Back is so simple, you'll wonder why you didn't do it before.

Who are Home Loan Cashback?

We're your fully qualified and licensed mortgage broker, and authorised credit representative. We've been mortgage experts for over ten years, and that means that we've got experience to spare. We started our business in an attempt to innovate and disrupt the current mortgage broker market.

Rather than sharing our commissions with typical referral sources like accountants and realtors, we decided it was about time that you started earning back on your mortgage. We share all of our spoils with you, the customer, because you're our greatest asset.

Home Loan Cash Back is part of a group of companies who offer similar deals whoever this brand is geared towards mortgages in particular. 

You are welcome to check out our other main brand being iRefund

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