Cash-Back Mortgages

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Cash-Back Mortgages

Did you know that cash back mortgages are a way to save tens of thousands of dollars and shave years off the life of your home loan over the loan term, all at no extra cost to you?

At Mates Rates Mortgage Brokers we are proudly the original and the best cash back mortgage broker. We invented cash back home loans in 2005 and so far, we’ve paid more than $10 million in cash back to people just like you!

How does a Cash-Back home loan work?

Banks and home loan lenders reward mortgage brokers with an upfront commission as well as ongoing monthly trail commissions for home loan business they bring to the lender.

At Mates Rates Mortgage Brokers we credit ALL of our broker trailing commissions to you as a cash back rebate on your home loan, every single month for the life of your home loan.

Mates Rates has so far paid over $12 million of these trail commissions, and we currently pay over $100,000* in cash back to our clients EVERY month!

We don’t charge you a fee for our mortgage broking services and you’ll get the same interest rate as you’d receive directly from the lender. It’s the same loan, from the same lender, at the same interest rate, with all the same package features – the only difference is, we pay cash back to you, every single month!

*Varies month to month

Why use a Mates Rates Cash-Back Mortgage?

Cash-Back Payment

Save tens of thousands of dollars over the loan term with our monthly cash back payments.

Free Service

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.

Best Deal For You

Our Lender Commission Leveller ensures no home loan lender is left out of consideration because they pay us less commission.

Best Home Loan Rates

We offer the same great rates and deals as you would receive when going direct to the lenders.

Specialist Professional Advice

Our Highly Experienced Professional brokers save you time and money as they guide you and help you through the entire loan process.

Wide Choice Of Lenders

We compare thousands of loans and rates from more than 45 banks and other home loan lenders.

What does a Cash-Back home loan cost?

All of our services are free to you, apart from a $10 monthly administration fee to administer the cash-back – you can nominate for it to be deducted from your cash-back so there’s no need to pay upfront.

We simply keep the upfront commission the lender pays us as our fee and this is at no additional cost to you.

In fact, it will probably cost you more NOT to use Mates Rates Mortgage Brokers because if you invest your cash back into paying off your home loan, you’ll also save money on compound interest too.

For example, the estimated cash back paid on a $500,000 loan at 5.18% pa over 30 years is $10,133.11. What you do with your cash back savings is up to you, however if you leave your cash back in your home loan account, you’ll also enjoy compound interest savings, saving you a total of $19,447.38 and reducing your loan term to 29 Years 2 Months!

What makes a Mates Rates Cash-Back home loan different from the rest?

Our “Lender Commission Leveller” is unique to cash back offers and the mortgage broking market, providing a level playing field that ensures no lender is excluded from recommendation because they pay less commission. This means you always get the best deal, guaranteed, because we get paid the same, regardless of the upfront and trailing commissions paid by the lender.

While lump sum cash back offers from lenders or from other mortgage cash-grab brokers can look very tempting, with a Mates Rates Mortgage Brokers cash back you’ll actually end up saving tens of thousands of dollars more over the loan term.

So, instead of going directly to the lender or a cash-grab mortgage broker, why not get the exact same home loan deal and be rewarded with a cash back from Mates Rates Mortgage Brokers instead?

To begin your home loan application process and start paying off your home loan sooner 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.

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Frequently Asked Questions

Instead of charging you for our services, our “fee” is taken from the upfront commission we receive from the lender – not from your pocket!

The small $10 monthly administration fee we charge for administering the cash-back can be deducted from your cash-back so there’s no need to pay upfront.

At Mates Rates Mortgage Brokers credit ALL lender trailing commissions to you as a cash back rebate on your home loan, every single month for the life of your home loan.

We don’t charge you a fee for our mortgage broking services and you’ll get the same interest rate as you’d receive directly from the lender.

Or complete this form and we’ll get back to you shortly.

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