Finding the best rates…
Home Loans With Cashback Offers
See which lenders are paying to win your refinance.
100% Australian data. Always free to use.
Methodology: RatePilot uses tracked lender data and consistent comparison rules across every home loan page. Read the methodology.
Showing 4 home loans from 2 lenders
$600Kon$750Kat80% LVROwner OccupierVariablePrincipal & Interest
Lender & Product
Interest Rates
Repayment
Action
Bank of Queensland
Economy Variable Home Loan
$2k CashbackRedrawExtra Repay
$2k
5.63%
Variable
5.78%
Comparison
$3,456
/month
5.63%
Variable Rate
5.78%
Comparison Rate
Est. Repayment
$3,456/mo
Principal & Interest (30y)Bank of Queensland
Clear Path Variable Home Loan
$2k CashbackOffsetRedrawExtra Repay
$2kOffset
5.64%
Variable
5.77%
Comparison
$3,460
/month
5.64%
Variable Rate
5.77%
Comparison Rate
Est. Repayment
$3,460/mo
Principal & Interest (30y)ANZ
Anz Simplicity Plus (Variable)
$3k CashbackRedrawExtra Repay
$3k
6.04%
Variable
6.04%
Comparison
$3,613
/month
6.04%
Variable Rate
6.04%
Comparison Rate
Est. Repayment
$3,613/mo
Principal & Interest (30y)ANZ
Anz Standard Variable Home Loan
$3k CashbackOffsetRedrawExtra Repay
$3kOffset
6.74%
Variable
6.74%
Comparison
$3,888
/month
6.74%
Variable Rate
6.74%
Comparison Rate
Est. Repayment
$3,888/mo
Principal & Interest (30y)Important: The comparison rate is based on a loan of $150,000 over a term of 25 years. 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. General Advice Only.
Home Loans With Cashback Offers - March 2026
Cashback offers create a different search intent from standard rate shopping. Borrowers landing on a cashback page usually want to know which lenders are actively paying to win refinances and whether those incentives are attached to genuinely competitive loans. A general home loan comparison table can bury that signal. This page keeps the focus on products that currently advertise a cashback feature so the offer can be compared alongside the long-term rate, not in isolation.
That framing matters because cashback is a one-off event while home loan pricing compounds over years. A strong incentive can still be rational if you plan to refinance again or if the new rate is competitive after the payment lands. But an eye-catching upfront amount should never excuse an uncompetitive ongoing deal. This landing page gives you a cleaner first pass by narrowing the field to cashback products before you judge whether the incentive genuinely improves the total value.
This filtered slice currently covers 38 home loan products from 2 lenders and 157+ rate variations. The best live rate in this group starts from 5.58% p.a.
Method note: Landing pages reuse the same live dataset as the main home loan page. The difference is the server-side filter and the editorial framing, not a separate manual ranking.
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Common Questions
Home Loans With Cashback Offers FAQs
What is a cashback home loan offer?
A cashback offer is a lender incentive that pays an upfront amount, usually when an eligible borrower refinances or settles a qualifying loan. The value and eligibility rules vary widely between lenders.
Should cashback outweigh the rate?
Not by itself. Cashback can improve first-year economics, but the ongoing rate and fees still determine how the loan performs after the incentive is gone.
Why use a separate cashback home loan page?
Borrowers searching for cashback usually have a specific refinance intent. Grouping those products together makes it easier to compare incentive-led offers without losing sight of the underlying loan pricing.