Cash-Back Payment
Save thousands of dollars over the life of your home loan with our monthly cash back payments.
Join thousands of Aussies that have shared in more than $14,000,000 receiving monthly payments for their home loan. It’s not a gimmick — it’s Mates Rates ‘Helping to Pay Off Your Home Faster!’.





Just a few of the more than 40 lenders we compare for your most cost effective home loan with our ‘Exclusive Monthly Home Loan Subsidy’
A subsidy is a financial contribution designed to reduce your costs.
Our Mates Rates Home Loan Subsidy works just like that — money paid to you, every month, to lower the real cost of your home loan.
This is how Mates Rates helps YOU get ahead — not the banks.
If you have a home loan — or thinking to get one — we can help you get the cheapest one and get more from it
Apply or Refinance
Choose from 40+ lenders
We Get Paid Commissions
Just like any broker
You Receive a Monthly Subsidy Cash back credited into your account, every month for the life of your home loan



Special offer from Mates Rates
Special offer from Mates Rates 5.99pa – 0.20pa for the life of your loan cash-back = LOW RATE a really low variable rate effectively 5.79 & a government guarantee of your cash, unlike other cheap non-ADI lenders.
When shopping around ask that very important question, Are you an ADI Lender? And when they answer NO………… Don’t Love ’em Leave ’em!
T&C’s apply
Comparison Rate CR 6.02% pa. Note the comparison rate does not include the trailing commission cash back.
Save thousands of dollars over the life of your home loan with our monthly cash back payments.
We don’t charge you for our services – our “fee” is taken from the upfront commission we receive from the lender, instead of from your pocket.
Our Lender Commission Leveller ensures no home loan lender is left out of consideration because we are always paid the same amount, regardless of the lender’s commission percentage.
We offer the same great rates and deals as you would receive when going direct to the lenders.
Our expert brokers save you time and money as they guide you and help you through the entire loan process.
We compare thousands of loans and rates from more than 45 banks and other home loan lenders.
At Mates Rates Mortgage Brokers, we offer cash back home loans for an extensive range of home loans, including:
Could you be getting a lower interest rate, paying off your home loan faster or building equity and earning cash back for the life of your home loan?
It only takes seconds to take the health of your home loan and find out how easy it is to beat inflation with our FREE home loan check.

Relax, that’s our job, not yours!
At Mates Rates Mortgage Brokers we do all the heavy lifting for you at no additional cost to you and update our website DAILY with the Hottest Variable Rate Home Loan.
Take a look at today’s hottest deal.
To begin your home loan application process and start paying off your home loan soon with our cash back home loan, give us a call on Call 1300 558 161, email to info@matesratesmortgages.com.au or enquire online.
One of our mortgage brokers will give you a call and get your home loan application process started.