Cash Back Hero

Owner Occupied rates from

2.09% p.a. Variable

2.14% p.a. Comparison*

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    A great rate with $3,000 up to $10,000 cash back

    Get a kick start with the Cash Back Hero Variable Home Loan. A customisable home loan with optional offset and full, free electronic redraw.

    Minimum loan amount $250,000 to receive cash back offer

    Cash Back t's and c's
    Loan AmountCash Bonus
    $250,000 - $999,999.99$3,000
    $1,000,000 - $1,999,999.99$5,000
    $2,000,000+$10,000

    Are you a property investor?

    Cash Back Loan for investment purposes

    Investor Cash Back Hero

    2.49% p.a. Variable

    2.54% p.a. Comparison*

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      Cash Back Hero Home Loan

      THE BASICS
      Rate2.09% p.a. Variable
      2.14%* p.a. Comparison
      PurposeOwner Occupied
      EligibilityPersonal
      Company
      Unit
      Discretionary Trust
      Minimum Amount$250,000
      Maximum Amount≤ 65% LVR $5,000,000
      ≤ 70% LVR $4,500,000
      ≤ 75% LVR $4,000,000
      ≤ 80% LVR $3,500,000
      ≤ 90% LVR $1,000,000
      Max loan amount may vary depending on the loan purpose, postcode, and other factors
      Refer to your Reduce Finance Manager for loan amount policy
      LVRUp to 60%

      Add 0.10% to rate for >60% - 80% LVR
      Add 0.50% to rate for >80% - 90% LVR

      Max 90% plus LMI for purchases, capped at 95%
      Max 90% including LMI for refinances
      LMI payable over 80% LVR
      Loan TermUp to 30 years
      Rate OptionsVariable
      Available for ConstructionYes
      Add 0.10% to rate
      Refer to your Finance Manager for construction fees
      FEATURES
      Multiple Accounts100% offset account available at $10/month
      Loan splits available
      Redraw FacilityYes. No minimum via electronic transfer
      Account AccessInternet & Phone transfer access to nominated account
      StatementsHalf yearly
      REPAYMENTS
      TypePrincipal & Interest
      FrequencyVia Direct Debit - Weekly, Fortnightly or Monthly
      MethodsDirect Debit
      Salary Credit
      Additional RepaymentsVariable Rate – Extra repayments may be made at any time without penalty
      FEES
      Application Fee$0
      Establishment Fee$0
      Third Party Valuation FeeAt cost
      Estimate $250
      Third Party Legal FeesAt cost
      Estimate $297
      Does not cover disbursements, government charges, funder's contract processing fee & PEXA fee
      Annual Fee$0
      Monthly Fee$0
      Optional offset account is $10/month
      Settlement Fee$0
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