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Home Loan cashback* Special Offer

*T&Cs apply.

Home Loan cashback* New or refinanced

*T&Cs apply.

Home Loan cashback* Apply online

*T&Cs apply.

Enjoy a $2,500 cashback* when you take out a home loan with us.

It doesn’t matter if it’s for a new home, an investment property or if you’re switching to us from somewhere else, the cashback could be all yours!

PLUS, if you are a member of the South Australian education community you will receive an EXTRA $500^! That's a total of $3,000!

To be eligible for this amazing and limited time offer you must be:

  • Refinancing your home or investment property from another financial institution to us with over $250,000 left on the loan, and with a loan to value ratio (LVR) of 80% or less; or
  • Buying or building a home or investment property, borrowing at least $250,000 with a LVR of 80% or less.

Why choose a home loan with us?

Quick and easy application

Our paperless application makes it simple for you to apply online, over the phone or in person.

Unlock cashback

Get $2,500* + $500^ when you take out a home loan with us.

Low rates 

Save on interest with a low variable or fixed interest rate.

No loan application fees or monthly fees

You won’t be stung with any hidden fees. 

Explore our home loans

The cashback bonus is available on all our home loans (pretty awesome, hey?). Check them out.

Start your application now

For a home loan that makes you feel at home – get in touch with us today.

Apply online

Start your home loan application online anytime, anywhere.

Details you’ll need to have handy:

  • Your income and living expense details
  • Information about what you own and what you owe.

We’ll call you back within 48 hours to talk you through the next steps.

Apply online now

Connect with a Mobile Lender

Don’t have time to visit us?

No problem. We can come to you!

Simply book an appointment with one of our Mobile Lending Managers at a time and place that suits you.

Make an appointment

Call or visit us

We're here to help.

Call us on (08) 8202 7777

  • Monday to Friday 8am – 8pm (ACST)
  • Saturdays 8am – 2pm (ACST)

Visit us at 400 King William Street, Adelaide

  • Monday to Friday 8am – 5.30pm (ACST)
  • Saturdays 10am – 2pm (ACST) 
  • Sunday – Closed


Home Loan Cashback FAQs

Home Loan FAQs

  • What does 'refinancing' mean?

    Refinancing is when you move your home loan from one lender to another. You might do this to get a better interest rate, better loan features, better service… any reason at all really! Be careful though, as there may be some fees involved in refinancing.

  • What is an 'owner occupied' home loan?

    When you're buying or building a home or apartment you intend to live in, it's called an owner occupied property. This includes holiday homes that you don’t rent out and purchases of land on which you intend to build on, to live in. When you're applying for a home loan, you'll need to specify whether you're applying for an owner occupied loan or an investment loan. This distinction can change the interest rate options and loan features available to you.

  • What does loan to value ratio (LVR) mean?

    The LVR is the loan amount as a percentage of the total value of the property. For example, if you are borrowing $280,000 to purchase a house valued at $350,000 then your LVR is 80%. The maximum LVR that you can borrow up to depends on several factors including the type of loan, the loan amount that you’re applying for and your capacity to make repayments.

  • How can I apply for a home loan?

    You can apply for a home loan through any of the following methods:


The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.

The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.

The Buying and Selling Costs calculator will calculate the costs of buying and selling, including real estate agent costs and stamp duty.

Compare two different loans using their individual honeymoon rates, upfront fees, monthly fees and discharge fees.

*Cashback offer available on any owner-occupied or investment loan with minimum new borrowings of $250,000 where the loan to value ratio is 80% or less. Bridging loans are not eligible for this offer. Funds available at settlement, except in the case of construction loans where cashback will be paid on confirmation that the foundation has been poured. Limit of one cashback per household. Offers valid as at 17/11/2020, subject to change and may be withdrawn at any time without advanced notice. Lending criteria, fees and conditions apply and are available upon request.

^ Available to any employee of the education community and students carrying out studies in education.