Buying, refinancing, or investing in property?
Settle an eligible home loan and receive up to $4,000 cashback simple as that.
⏰ Limited time offer – ends 29 June 2026
Works?
How the $1,000 Cash Back Works
- Apply for an eligible residential home loan
- Settle your loan successfully
- Receive $1,000 cash back after settlement
No gimmicks. No hidden fees. Just a bonus for choosing the right loan structure.
Cashback Offer Terms & Conditions
- Available on new purchases, First Home Buyer loans and refinances of residential home loans only
- Eligible for owner-occupied and residential investment loans only
- Minimum loan amount $700,000
- One $1,000 cash back per individual customer application
- Cash back paid at the end of the consecutive month following the month the loan settles
- Loan must settle within 90 days of formal approval
- Offer ends 29 June 2026
- Excludes construction, commercial, SMSF, personal, car, business or asset finance loans
- Access with multiple lenders
- Loan structures tailored to your situation
- Support from application to settlement
- Transparent advice with no pressure
Our goal is simple:
Help you secure the right loan — and put money back in your pocket.
🔥 Limited time cashback promo
Get up to $4,000 cashback*
Eligible customers may receive up to $3,000 from participating home lenders (their offer) plus $1,000 cashback from Melbourne Home Loans Financial when your residential loan settles through us.*
✅ Purchase ✅ First Home Buyers ✅ Refinance 🏠 Owner-Occupied & investment
✅ Purchase ✅ First Home Buyers ✅ Refinance
🏠 Owner-Occupied & investment
- • Fast eligibility check — find out if you qualify in 2 minutes.
- • Compare lender cashback — we’ll match you with a lender offer (if available) and stack it with ours.
- • End-to-end support application — approval, settlement and follow-through on cashback steps.
- Fast eligibility check — find out if you qualify in 2 minutes.
- Compare lender cashback — we’ll match you with a lender offer (if available) and stack it with ours
- End-to-end support application — approval, settlement and follow-through on cashback steps.
Check your cashback eligibility
Fill this in and we’ll contact you ASAP to confirm lender cashback options and whether you qualify for the $1,000 Melbourne Home Loans Financial cashback.
How the cashback works
We confirm eligibility, submit your application, and if your loan settles through us, cashback may apply (subject to T&Cs).
Stack lender + broker cashback
Lender cashback (if available) is separate to our $1,000 offer. We’ll tell you what’s on the table before you proceed.
No-pressure, clear advice
We’ll only recommend options that suit your goals and serviceability — not just a cashback headline.
Promo Terms & Conditions (read carefully)
IMPORTANT: This promotion includes two separate cashback components:
- Lender cashback: Up to $3,000 offered by participating lenders (subject to lender’s own eligibility rules, timelines, and availability).
- Melbourne Home Loans Financials cashback: $1,000 offered by Melbourne Home Loans Financial (subject to conditions below).
Melbourne Home Loans Financials $1,000 Cashback Conditions
- Eligible for new purchases, first home purchases, and refinances of residential home loans only.
- Applies to owner-occupied and investment residential lending only.
- Minimum loan amount: $500,000.
- One cashback per individual customer application (not per property).
- Exclusions: All loans that are not residential owner-occupied or residential investment home loans are excluded (e.g.. personal loans, car loans, commercial lending, SMSF loans, business lending, etc.).
- Payment timing: Melbourne Home Loans Financial cashback is paid at the end of the consecutive month after the actual month the loan settles.
- Promo end date: Limited time only ending 29 June 2026.
- Settlement timeframe: Loan must settle within 90 days of loan approval.
- Melbourne Home Loans Financial may request details necessary to make payment (e.g.. bank details) and may require confirmation of settlement and ongoing loan status before payment.
- Melbourne Home Loans Financial reserves the right to amend, pause, withdraw or decline the cashback where eligibility requirements are not met or where fraud/misrepresentation is suspected.
Lender Cashback Notes
- Lender cashback offers are provided by lenders (not Melbourne Home Loans Financial) and may be withdrawn or changed at any time.
- Each lender’s cashback has its own eligibility requirements (e.g. product, LVR, new-to-bank, repayment type, loan amount thresholds, settlement timeframes).
- The “up to $4,000 figure is the maximum advertised lender cashback amount at the time of publication (and is subject to change).
General
- This page provides general information and does not take into account your objectives, financial situation, or needs.
- Credit eligibility criteria, terms, fees and charges apply. Interest rates are subject to change.