Home Loan Cash Back give you more than just a mortgage. We give you peace of mind.

At Home Loan Cash Back, we pride ourselves on giving you the best possible mortgage experience. After all, a home is likely to be the biggest purchase you will ever make. With that in mind, whilst we often believe we are bullet proof, we believe it is responsible to offer you affordable ways of ensuring you can maintain your lifestyle and keep your home if something was to happen that impacted your ability to keep up your repayments.

Life Insurance

Life insurance is a form of financial protection designed to pay out a lump sum of money after the death of the insured individual, or following a set period. Life insurance is often a crucial consideration when taking out a mortgage, as it helps to ensure that the people you leave behind can continue to enjoy the family home. The insurance premiums can generally come out of your superannuation.

TPD (Total and Permanent Disability Cover)

TPD protects individuals if sickness or injury prevents them from working in any occupation or your own specific occupation, depending on the cover. If you know that your career comes with certain risks or want to have the peace of mind in the event of a serious injury, then TPD may be particularly beneficial. Again, some or all of the premiums for TPD Insurance can come from superannuation.

Income Protection Insurance

Income protection insurance pays benefits to policyholders who are incapacitated and unable to work because of an accident or illness. Income protection insurance replaces most of your income usually and continues to pay out until you can start working again or for the insured period. This can offer fantastic peace of mind if you’re the breadwinner for your family. We all get sick and often get injured, do you have enough in reserve to pay the bills and maintain your lifestyle, if not the Income Protection Insurance is something to consider.

Trauma Insurance

Trauma insurance offers coverage if you’re diagnosed with a specific injury or illness. Trauma insurance pays a set amount to help you pay off crucial bills like mortgage repayments throughout the course of your illness or injury.

At Home Loan Cash Back, we can help you to find insurance for you to maintain comfort in your new home. Remember, your mortgage is more than just a loan, it’s a way to maintain your lifestyle. If you don’t protect yourself, then you could jeopardise that lifestyle.

Not only can many of these insurance premiums often come out of your superannuation fund, meaning minimum expense for you – but you can access cashback too, of around 40% -50% of your first-year premiums. This is like getting a 40- 50% discount for the first year!

Some of The Partners We Work With

Let’s Work Together on your Peace of Mind!