WHO WE ARE.

With Cashback was founded by two mortgage brokers aiming to simplify and disrupt the lending industry by creating a customer-first model. With extensive backgrounds in Banking, Financial Services, IT, and Lending, they developed a unique approach that rewards borrowers by passing back broker commissions. The result is a streamlined, transparent home loan experience where customers benefit directly. It’s time to get rewarded for your loan with With Cashback.

OUR MISSION:

With Cashback is dedicated to giving you the highest possible cashback on your mortgage because it is your money. You receive the same loan, same bank, same features, and same rates, but with cashback others do not offer. By simplifying the mortgage process, we pass the commission a bank would normally pay to a broker directly to you. There is no downside, just a smarter way to maximise your financial position and reward yourself with cashback.

HOW IT WORKS.

You may have compared mortgage rates using home loan calculators and comparison websites, but With Cashback takes it further. We not only help you secure a great loan but also give you cashback for a successful application, an advantage others do not offer.

1. COMPARE & SELECT

Explore our competitive loans, compare lenders and rates, and calculate your cashback with our cashback calculator. Once you find the best option, start your application. With hundreds of products available, you are sure to find one that fits your needs.

2. COMPLETE YOUR APPLICATION

We will need you to enter some key info:

  • The purpose of your loan (new mortgage, refinance, or home renovation)
  • The desired value and repayment period of the loan
  • Variable or Fixed and if you’d like an offset account
  • Personal details including your name, current address, employment and drivers licence

This information is used to obtain a credit score, so we can determine your eligibility, serviceability and best home loan rates.

3. APPROVAL & SETTLEMENT

Congratulations on your successful loan application and property purchase!

Once your loan settles, you are just one step away from receiving your cashback.

4. ENJOY YOUR CASHBACK

We will transfer your cashback at the following intervals from the settlement date:

  • After Year 1: 50% of the cashback to your nominated bank account.
  • After Year 2: Remaining 50% of the cashback to your nominated bank account.

Any additional or promotional cashback offered by the lender at the time of application will be provided on top of the cashback offered by With Cashback.

Speak with our loan experts

Monday to Sunday  9am – 10pm (Melbourne time)

1300 685 008

Assess your situation

See if you qualify

Discuss your scenario with us.

Buying or refinancing?

Apply today and start saving

We’ll reach out within 1–2 business days.

The comparison rates are based on a secured loan of $150,000 over a term of 25 years. WARNING: Comparison rates provided are examples only. Your circumstances may involve different amounts and terms, resulting in different comparison rates. Please contact With Cashback for a clearer understanding of your fees and costs.

This information is provided by With Cashback Pty Ltd (ACN 620 888 502) as an Authorised Representative (number 502385) under FreedomLend Pty Ltd (ACN 604 868 957), holder of Australian Credit Licence 498325. It does not take into account your objectives, financial situation, or needs. You should consider whether it is appropriate for you.

Interest rates are subject to change at any time. The applicable interest rate will be the rate on the day of settlement for new loans or the day of processing for variations to existing loans. Lending criteria, fees, and terms and conditions apply.