SIMPLE & CONVENIENT.
There is no out of pocket difference to you whether you process your loan through With Cashback, or directly with the bank. It’s the same loan, same bank, same features, with cashback.
Typically lenders would pay an upfront commission of 0.60% of your loan amount to a mortgage broker for signing you up. So for a $500,000 loan, this could be up to $3,000!
So instead of applying for your loan directly with the bank, or through a mortgage broker, you simply apply through us, With Cashback, and we’ll pass the commission money on to you. After all, it’s your money, and you deserve it!
OWNER OCCUPIED
VariableP&I repayments
- Min. borrowing: $100,000
- LVR: 80%
- Upfront fees: $0
- Ongoing fees: $395 p.a
- Internet banking
- Offset
- Redraw
OWNER OCCUPIED
Fixed 3 YearsP&I repayments
- Min. borrowing: $150,000
- LVR: 70%
- Upfront fees: $350
- Ongoing fees: $0
- Internet banking
- Offset
- Redraw
INVESTMENT
VariableP&I repayments
- Min. borrowing: $700,000
- LVR: 90%
- Upfront fees: $510
- Ongoing fees: $0
- Internet banking
- Offset
- Redraw
INVESTMENT
VariableI/O repayments
- Min. borrowing: $400,000
- LVR: 80%
- Upfront fees: $250
- Ongoing fees: $395 p.a
- Internet banking
- Offset
- Redraw
OWNER OCCUPIED
ConstructionP&I repayments
- Min. borrowing: $500,000
- LVR: 70%
- Upfront fees: $0
- Ongoing fees: $395
- Internet banking
- Offset
- Redraw
OUR PARTNERED LENDERS.
Whether you’re purchasing your first home, re-mortgaging, or purchasing an investment property, with over 40 lenders on our panel, we are sure to find a great product to suit your specific needs.
WHAT PEOPLE ARE SAYING.
I just completed a refi of my home mortgage resulting in a significant reduction in my interest rate and monthly payment. The guys at With Cashback were extremely diligent and thorough throughout the entire process entailing a massive amount of documentation and information. At all times they kept me updated on the status of the process and treated my transaction as if it were their most important. Their thorough knowledge and expertise of the rules and underwriting process was instrumental to a smooth flowing transaction.It's great to work with people who promptly answer their phones when they ring and quickly respond to any voice-mail messages. It's also nice to be able to directly connect without navigating a litany of voice response menu layers.I highly recommend With Cashback to anyone who desires attentive and expert mortgage services.read more
Tina Pham
07:39 12 Nov 17
We have used With Cashback on the last two home purchases we've made and intend to continue to use them in the future. Mark was very knowledgeable about my situation. He advised me on the best course of action to make sure I had a great experience. He is a very honest person who cares more about me as a client than making an extra dollar. His reputation actually means something to him so I found he always has my best interests in mind.read more
osman ofli
14:03 10 Nov 17
With Cashback has been absolutely amazing to work with. I have used them twice now to get loans on my investment properties and every time I have worked with them, it was so much easier than going to the bank branches.With Cashback always have someone that answers the phone and is able to answer my questions ASAP. I never had an issue with them and I will be working with them on my next project.Great rates and cash offerings to boot!read more
James Di Blasi
05:53 12 Nov 17
David devised a strategy for me to facilitate the purchase of my investment property. His strategy was one I hadn't previously considered and in contrast to other suggestions provided by another loan broker. It became clear to me that David was working in MY best interests rather than what would make him the most commission! I have obtained finance on several other occasions to purchase property, this experience was by far the most seamless and stress free. David was extremely prompt in answering all of my calls and correspondence, even whilst he was on holiday. Can't say enough about the service David and the team provided! On top of the hard work, they also gave me the cashback for the loan. Can’t rate With Cashback high enough!read more
Joshua Smith
10:32 09 Nov 17
Alex was incredible! I just finished with the purchase of my first home, and without Alex, it would not have happened as smoothly as it did. He was incredibly patient, informative, knowledgeable, easy to reach, responsive, and I will recommend him to anyone I know who needs a lender. I will use him again, no doubt. Thank you Alex!read more
Kathy Li
10:53 30 Nov 17
I have been using the same broker for over 5 years and then needed to refinance. They were unable to structure our loans so I was on the hunt for a new broker who could help but many weren't able to. Someone on the forums then suggested With Cashback so I got into contact with Mark. I found the communication outstanding from start to finish and at no point did I find myself wondering where I was in the process. Mark took the time to meet after hours over Skype, discussed my options and actually listened to what I wanted. He had a great understanding of the real estate market and lending process which made everything so easy and seamless. Thank you Mark and the With Cashback team for helping me resolve my financing dilemma. They work really hard to get everything sorted out. On top of that, I will also be getting over 2k in cashback which is huge differentiator from other brokers I spoke with. So happy I came across this company - will definitely recommend to my family and friends.read more
Cecilia Tran
02:47 04 May 18
Thanks to WCB, I got my loan approved this week. They offer not only one of the cheapest rate on the market, but also cash back offer. Strongly recommend!!!read more
chen song
01:30 26 Oct 18
Recently refinanced using With Cashback and it was an excellent experience. Alex was very professional to work with and made the process smooth and simple. It's been 12 months now since our settlement and we've just received our first half of the cashback. Highly recommend!read more
Kent Whalley
11:03 01 Oct 21
With Cashback refinance & cashback process are efficient. All done online (I only had to go to bank physically once to sign documents). Alex has been very patience, helpful and responsive throughoutread more
Phaik Guat Tan
04:34 05 Oct 21
Very happy I used With Cashback and especially pleased with the professional and responsive Helen, who handled a tricky re-finance during lockdown! Not many other brokers hand back their commission to their clients - getting the cash back after 12 months was a real bonus.read more
Daniel Grahame
00:11 10 Nov 21
Alex from WithCashback has been so helpful and quick to respond. I refinanced my mortgage one year ago and has received the cashback as promised. I would highly recommend WithCashback to my friends and family.read more
X1210
06:36 24 Mar 22
Alex has supported us through out our refinance application. Great service and honest advise.
NR TP
08:48 22 Jun 22
I had a fantastic experience working with Mark as my mortgage broker. He provided exceptional service from start to finish. Mark's expertise, proactive communication, and attention to detail made the process seamless. Thanks to him, I secured a mortgage with excellent terms. I highly recommend Mark to anyone in need of a mortgage broker. Thank you, Mark, for your outstanding service!read more
Angeline Ling Ling
10:16 06 Jun 23
Mark was fantastic. Always quick to respond to emails and kept up updated on the process throughout. Would highly recommend Mark to others looking for a mortgage broker.read more
Vinit Desai
00:21 30 Jul 23
Mark was a pleasure to work with when navigating the complexities of obtaining a mortgage. He patiently explained all the details, provided excellent guidance throughout the entire process, and consistently followed up with my case, ensuring a smooth and successful settlement.Even when encountering difficulties with the solicitor's document preparation, Mark's dedication and expertise minimised the impact and kept things moving forward. I highly recommend Mark to anyone seeking a reliable and helpful mortgage broker.read more
Ja C
04:52 27 Feb 24
We refinanced with Alex and he worked above and beyond to ensure we were able to get approved with our bank. Highly recommend his service.read more
Matthew Liu
11:09 31 Oct 24
