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Home loan cashback is king

If you're going to the effort of refinancing, you might as well get up to $4,000 for your trouble.

$
years
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1 - 20 of 29
Name Interest Rate p.a. Comparison Rate p.a. Fees Monthly Payment
IMB logo
Principal & Interest20% min. depositOwner-occupier
IMB logo
Principal & Interest20% min. depositOwner-occupier
Go to site
Product NameIMB Budget Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.14%
Comp. Rate p.a.6.17%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.14%
Comparison Rate
6.17%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,656
Go to site
$2,000-$4,000 cashback
Eligible refinancers can get up to $4,000 cashback when switching their loan to IMB. Loan value criteria applies. Other terms and conditions also apply.
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Greater Bank logo
Principal & Interest-10% min. depositOwner-occupierNSW, QLD & ACT only
Go to site
Product NameGreater Bank Great Rate Discount Variable Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.20%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term
Maximum LVR 110%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,675
Go to site
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
St.George Bank logo
Principal & Interest30% min. depositOwner-occupier
St.George Bank logo
Principal & Interest30% min. depositOwner-occupier
Go to site
Product NameSt.George Basic Variable Rate Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.30%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 70%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.29%
Comparison Rate
6.30%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,714
Go to site
$2,000 cashback
Refinancers borrowing $250,000 or more could get a $2,000 cashback (Other terms, conditions and exclusions apply).
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Go to site
Product NameNewcastle Permanent Real Deal Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.23%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.23%
Fees
Application: $595
Ongoing: $0 p.a.
Monthly Payment
$3,675
Go to siteMore Info
IMB logo
Principal & Interest20% min. depositInvestment
IMB logo
Principal & Interest20% min. depositInvestment
Product NameIMB Budget Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.29%
Comp. Rate p.a.6.35%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.29%
Comparison Rate
6.35%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,714
$2000-$4000 cashback
Eligible refinancers can get up to $4,000 cashback when switching their loan to IMB. Loan value criteria applies. Other terms and conditions also apply.
ME logo
Principal & Interest20% min. depositOwner-occupier$150k+
ME logo
Principal & Interest20% min. depositOwner-occupier$150k+
Product NameME Basic Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.17%
Comp. Rate p.a.6.19%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityNo
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.17%
Comparison Rate
6.19%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,667
$2,000-$3,000 cashback
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
IMB logo
Principal & Interest20% min. depositOwner-occupierOffset account
IMB logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameIMB Essentials Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.24%
Comp. Rate p.a.6.35%
Minimum Loan Amount$10,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.24%
Comparison Rate
6.35%
Fees
Application: $449
Ongoing: $0 p.a.
Monthly Payment
$3,694
$2000-$4000 cashback
Eligible refinancers can get up to $4,000 cashback when switching their loan to IMB. Loan value criteria applies. Other terms and conditions also apply.
ME logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
ME logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupier
Product NameME Flexible Home Loan Fixed with Members Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.5.94%
Comp. Rate p.a.6.60%
Minimum Loan Amount$40,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
5.94%
Comparison Rate
6.60%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,578
$2,000-$3,000 cashback
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
Greater Bank logo
Principal & Interest 1Y Fixed10% min. depositInvestmentNSW, QLD & ACT only
Greater Bank logo
Principal & Interest 1Y Fixed10% min. depositInvestmentNSW, QLD & ACT only
Product NameGreater Bank Great Rate Fixed Home Loan
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.8.02%
Minimum Loan Amount$0
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.09%
Comparison Rate
8.02%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,636
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
St.George Bank logo
Principal & Interest20% min. depositOwner-occupier
St.George Bank logo
Principal & Interest20% min. depositOwner-occupier
Product NameSt.George Basic Variable Rate Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.39%
Comp. Rate p.a.6.40%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.39%
Comparison Rate
6.40%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,753
$2,000 cashback
Refinancers borrowing $250,000 or more could get a $2,000 cashback (Other terms, conditions and exclusions apply).
Greater Bank logo
Principal & Interest20% min. depositOwner-occupierNSW, QLD & ACT only
Greater Bank logo
Principal & Interest20% min. depositOwner-occupierNSW, QLD & ACT only
Product NameGreater Bank Great Rate Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.19%
Comp. Rate p.a.6.20%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.19%
Comparison Rate
6.20%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,675
Up to $2,500 cashback
Eligible refinancers can get up to $2,500 cashback depending on loan value. Full terms and conditions apply.
ME logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
ME logo
Principal & Interest 2Y Fixed20% min. depositOwner-occupier
Product NameME Flexible Home Loan Fixed with Members Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.04%
Comp. Rate p.a.6.66%
Minimum Loan Amount$40,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.04%
Comparison Rate
6.66%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,617
$2,000-$3,000 cashback
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
ANZ logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
ANZ logo
Principal & Interest 2Y Fixed10% min. depositOwner-occupier
Product NameANZ Fixed Rate Home Loan
Interest Rate TypeFixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.59%
Comp. Rate p.a.7.27%
Minimum Loan Amount$20,000
Maximum Loan Amount $10,000,000
Maximum Loan Term30 years
Maximum LVR 90%
Loan Redraw FacilityNo
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.59%
Comparison Rate
7.27%
Fees
Application: $0
Ongoing: $10 per month
Monthly Payment
$3,832
$2,000 - $3,000 cashback
First home buyers can get a cashback of $3,000 and refinancers can get a cashback of $2,000 with a new ANZ loan of $250K+ (terms & conditions apply).
ME logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupierOffset account
ME logo
Principal & Interest 3Y Fixed20% min. depositOwner-occupierOffset account
Product NameME Flexible Home Loan Fixed
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.09%
Comp. Rate p.a.7.90%
Minimum Loan Amount$40,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.09%
Comparison Rate
7.90%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,636
$2,000-$3,000 cashback
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
ME logo
Principal & Interest20% min. depositOwner-occupierOffset account$400k up to $699,999
ME logo
Principal & Interest20% min. depositOwner-occupierOffset account$400k up to $699,999
Product NameME Flexible Home Loan With Member Package
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.24%
Comp. Rate p.a.6.63%
Minimum Loan Amount$400,000
Maximum Loan Amount $699,999
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.24%
Comparison Rate
6.63%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,694
$2,000-$3,000 cashback
Refinancers can get $2,000 cashback for loans above $400k, or $3,000 cashback for loans above $700k. Other conditions apply.
St.George Bank logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
St.George Bank logo
Principal & Interest 2Y Fixed5% min. depositOwner-occupier
Product NameSt.George Fixed Rate Home Loan with Advantage Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.89%
Comp. Rate p.a.7.93%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 95%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.89%
Comparison Rate
7.93%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,951
$2,000 cashback
Refinancers borrowing $250,000 or more could get a $2,000 cashback (Other terms, conditions and exclusions apply).
BankSA logo
Principal & Interest 1Y Fixed20% min. depositOwner-occupier
BankSA logo
Principal & Interest 1Y Fixed20% min. depositOwner-occupier
Product NameBankSA Fixed Rate Home Loan with Advantage Package
Interest Rate Typefixed rate
Repayment Type Principal & Interest
Interest Rate p.a.6.69%
Comp. Rate p.a.7.74%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.69%
Comparison Rate
7.74%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,872
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Newcastle Permanent logo
Principal & Interest20% min. depositOwner-occupierOffset account
Product NameNewcastle Permanent Premium Plus Package Home Loan
Interest Rate Typevariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.24%
Comp. Rate p.a.6.58%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountYes
Split Loan FacilityYes
Fixed Interest OptionYes
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.24%
Comparison Rate
6.58%
Fees
Application: $0
Ongoing: $395 p.a.
Monthly Payment
$3,694
ANZ logo
Principal & Interest20% min. depositInvestment
ANZ logo
Principal & Interest20% min. depositInvestment
Product NameANZ Simplicity PLUS Home Loan
Interest Rate TypeVariable rate
Repayment Type Principal & Interest
Interest Rate p.a.6.84%
Comp. Rate p.a.6.84%
Minimum Loan Amount$50,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableNo
Extra Repayments Yes
Interest Rate
6.84%
Comparison Rate
6.84%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,931
$2,000 - $3,000 cashback
First home buyers can get a cashback of $3,000 and refinancers can get a cashback of $2,000 with a new ANZ loan of $250K+ (terms & conditions apply).
BankSA logo
Interest only20% min. depositInvestment
BankSA logo
Interest only20% min. depositInvestment
Product NameBankSA Basic Variable Rate Home Loan
Interest Rate TypeVariable rate
Repayment Type Interest Only
Interest Rate p.a.6.99%
Comp. Rate p.a.7%
Minimum Loan Amount$150,000
Maximum Loan Amount N/A
Maximum Loan Term30 years
Maximum LVR 80%
Loan Redraw FacilityYes
Offset AccountNo
Split Loan FacilityYes
Fixed Interest OptionNo
Loan PortableYes
Extra Repayments Yes
Interest Rate
6.99%
Comparison Rate
7%
Fees
Application: $0
Ongoing: $0 p.a.
Monthly Payment
$3,992
$2,000 refinance cashback
Refinancers borrowing $200,000 or more can get a $2,000 cashback (Other terms, conditions and exclusions apply).
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Showing 20 of 29 results

Top home loan cashback offers in June 2024

The highest value cashback on the market in June is:

  • IMB Eligible refinancers can get between $2,000 and $4,000 cashback depending on loan value.

The biggest Big Four bank cashback offer is:

  • ANZ. $2,000 cashback for borrowers refinancing loans worth $250,000 or more. $3,000 for eligible first home buyers borrowing $250,000 or more.

And there are many other lenders offering cashbacks this month:

LenderCashback amountBorrowing criteria
ANZ$2-3,000First home buyers and refinancers
BankSA$2,000Refinancers
St.George$2,000Refinancers
ME Bank$2-3,000Refinancers
Greater Bank$2-2,500Purchasers and refinancers
IMB$2-4,000Refinancers
Richard Whitten
Cashback update by Richard Whitten – Finder money editor

We put every effort into ensuring information on Finder is accurate. This article was reviewed by John Pidgeon from our Editorial Review Board as part of our fact checking process.

What is a cashback offer?

Some lenders give you a cashback when you get a home loan with them. Cashbacks are usually worth between $2,000 and $3,000 (but sometimes more!) and are mainly a way of encouraging borrowers to switch to the lender from a competitor.

Many banks and lenders offer cashback specifically for borrowers who are refinancing their home loan.

How cashbacks work

Home loan cashbacks are extra money, deposited into your account. Cashbacks have conditions attached, which borrowers need to meet:

  • Loan amount. Most cashback offers specify a minimum loan amount. If you're refinancing a small loan amount, say $100,000, you might not qualify.
  • Time limit. Cashback is usually offered for a limited time, specifying that you have to apply by a certain date and have the loan settled by a certain date.
  • Loan purpose. Some cashback offers are limited to refinancers, or are specific to homebuyers only (and not investors).
  • Account. You usually need to open a transaction or savings account with the lender in order to receive the cashback.

You need to meet the eligibility criteria, such as the type of loan and the amount you're borrowing. Once the cashback comes through, your lender will deposit it into your bank account.

Is a home loan cashback offer worth it?

Sign-up bonuses and cashback are attractive side benefits of a loan, but don't get too distracted by them. If the loan itself isn't a good product for you then the bonus just isn't worth it.

When comparing mortgages ask yourself this question: if I took away the special offer, would this loan be right for me?

A lower interest rate will save you more money than a cashback offer in most circumstances. A mortgage with features like an offset account and flexible repayment options can also help you save money.

Always look at the following when examining home loan special offers:

  • Interest rate. Does this loan have a competitive interest rate? Will it save you money even without the sign-up bonus?
  • Period of offer. How long does the sign-up offer last? For instance, if the loan offers a special rate for the first year, you need to think about what happens after that first year. Will the loan revert to a higher rate?
  • Loan features. The sign-up offer should not be the only reason you are choosing a certain home loan. You need to take into account all the features offered by the loan and whether they suit your needs and situation.

When a special offer doesn't make sense

Here's a hypothetical example of a refinance cashback offer that looks enticing but doesn't really benefit the borrower.

  • Your current loan: You're currently on a 6.25% interest rate with $300,000 left on your loan.
  • The offer: You see a package home loan with a $2,000 cashback and a lower 5.90% interest rate.
  • The comparison: You look around and see a few loans with a similar 5.90% rate but no cashback, so you go for the one that gives you $2,000. Makes sense, right?

But then you realise it's a package loan, so you get a credit card and an offset account with the loan, plus a home insurance policy. This all comes with an extra $400 annual package fee.

But you don't want the offset account or the credit card, and you're currently getting a better deal on your insurance elsewhere. And that annual package fee? Well, in just 5 years it's eaten up the full $2,000 cash back.

If you switch to a similar loan with a 5.90% rate that doesn't have a $400 annual package fee, you'll be better off. Of course, if you made use of all the products in the package then the fee might be a small price to pay for the convenience of having all your products with one institution.

It all depends on your needs.
Compare a wider range of mortgages here

Tom Goodwin

Getting your hands on a cashback offer for your home loan can be extremely handy. Buying a home or moving house can be extremely expensive, so having some funds at hand to cover costs like removalists or new furniture can be great. And hey -- you could even funnel it back into the loan in order to get it paid off more quickly too!
— Tom Goodwin, Commercial Content Editor

What other kind of special offers do lenders provide?

Beside cashbacks, lenders also offer a few other special benefits on home loans.

Fee reduction or waived fees

Many lenders will waive or reduce fees for a limited time. Given that application fees can cost $600 or more, this is a decent saving. As with home loan cashbacks, fee waivers usually have exclusions and eligibility criteria, such as time limits and minimum loan amounts.

Discounted interest rates

Discounted rates can save you a decent amount of money in the early stages of your loan. Be sure to compare the discount rate to other offers and watch out for the end of the offer period, when the rate will rise.

Compare introductory variable rate loans

Package deals

Some lenders allow you to package things like credit cards, savings accounts and offset accounts with your home loan account. You can save by paying a combined annual fee for all products you've chosen to package, as well as enjoy the convenience of having all of your finances in one location.

Frequent flyer points

Some lenders have partnerships with frequent flyer rewards programs. The points you can gain from these loans can equal enough to cover an international flight. You can learn more about frequent flyer loans in our guide.

Why you can trust Finder's home loan experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees. Guaranteed.
expert adviceYou save time. We spend 100s of hours researching home loans so you can sort the gold from the junk faster.
independentYou compare more. Our comparison tools bring you cheaper, better home loans from across the market.

Frequently asked questions about home loan cashback offers

John is the co-host of the this is money and this is property podcasts (formerly my millennial money and my millennial property). He is Director at SOLVERE Wealth, Director/Buyers Agent at Envisage Property, and is property coach of over 25 years.

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