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Double down in savings with the best lender cash back deals on offer right now

Combine uno’s $1,000 cash back deal with one of the many cash back deals on offer from banks and lenders right now and you essentially save twice. You’re welcome.


LENDEROFFERCONDITIONSDEADLINETOTAL SAVINGS WHEN COMBINED WITH UNO OFFER

Find a Bank of Melbourne home loan
$1,500 cash back for refinances to an Advantage Package Home LoanMust have a Bank of Melbourne transaction account linked to the refinanced home loan at settlement.
Available to owner-occupiers paying principal and interest only, and investors.
Must have a minimum loan size of $250k.
Excludes refinancers from Westpac, St George, Bank SA, RAMS and Portfolio Loans.
Application must be received by 28th February and settled by 30th April, 2019.$3,000

Find a BANK SA home loan
$1,500 cash back for refinances to an Advantage Package Home LoanMust have a Bank SA transaction account linked to the refinanced home loan at settlement.
Available to owner-occupiers paying principal and interest only, and investors.
Must have minimum loan size of $200k.
Excludes refinancers from Westpac, St George, Bank of Melbourne, RAMS and Portfolio Loans.
Application must be received by 28th February and settled by 30th April, 2019.$3,000

Find a St George home loan
$1,500 cash back for refinances to an Advantage Package Home Loan
Must have a St George transaction account linked to the refinanced home loan at settlement.
Available to owner-occupiers paying principal and interest only, and investors.
Must have minimum loan size of $250k.
Excludes refinancers from Westpac, Bank of Melbourne, Bank SA, RAMS and Portfolio Loans.
Application must be received by 28th February and settled by 30th April, 2019.$3,000

Find a Westpac home loan
200,000 Velocity PointsAvailable to owner-occupiers and investors
Must have minimum loan size of $250K or more
Available to new Premier Advantage Package customers only
Applicant must be a member of the Velocity Frequent Flyer program
Excludes Equity Access Loans (Line of Credit)
Not available for Internal Refinance or switches within Westpac Group
Not available to company and trust account holders
Application must be approved by 30th September and settled by 30th November, 2018$1,500 plus 200,000 velocity points

Find a Westpac home loan
500,000 Velocity PointsAvailable to owner-occupiers and investors
Must have minimum loan size of $1M or more
Available to new Premier Advantage Package customers only
Must be a member of the Velocity Frequent Flyer program
Excludes Equity Access Loans (Line of Credit)
Not available for Internal Refinance or switches within Westpac Group
Not available to company and trust account holders
Application must be approved by 30th September and settled by 30th November, 2018$1,500 plus 500,000 velocity points

Find a CBA home loan
$2,000 Other Financial Institution (OFI) Refinance Cashback OfferAvailable to owner-occupiers making principle and interest repayments, investors and customers with a Line of Credit
Available to Other Financial Institution (OFI) Refinancers
Must have minimum loan of $250K or more
The $2,000 is to be credited only to a CommBank Transaction Account within 2 weeks of funding
Cannot be combined with a Mortgage Advantage (MAV) fee waiver
Application must be submitted by the 30 November and funded by 31st January 2019$3,500

Find a Bankwest home loan
$1,500 cash back offerAvailable to Other Financial Institution (OFI) Refinancers
Available to owner-occupiers paying principal and interest and investors paying either principal and interest or interest-only
Must have LVR of less than 80% on all loans included in the application
Complete Home Loan Package product (Complete Variable, Complete Fixed and Complete Equity)
Must have minimum loan size of $200K or more
Offer available to retail customers only (no Company or Trust borrowing structure)
Application must be submitted by the 31st August and settle by 30th November 2018$3,000

Find an ANZ home loan
Conveyancing fee rebate up to $1,000 for first home buyersApplicants must be eligible for the FHOG or First Home Owner Stamp Duty concession
Available for loan sizes greater than $250K
Applicants must hold an ANZ transaction account
Application must be submitted by 31st December 2018 and drawn down by 31st March 2019$2,500

Find an NAB home loan
$1,250 BonusAvailable to Base Variable Rate Home Loan customers and First Home Buyers
Loan size must be greater than $250k
Applicants must hold a personal NAB transaction account at settlement and continue holding it for the next 60 days
Application must be submitted by 31st August 2018 and settled by 1st March 2019$1,750

In an attempt to rouse a fatigued market, banks and lenders are offering new and existing customers special deals on home loans. Commonwealth Bank, Westpac Group and Suncorp reduced introductory or “honeymoon” rates last month, offering home buyers and investors discounts of up to 55 basis points. Earlier this month, ANZ was the first to move on variable rates, slashing its basic principal and interest home rate for owner-occupiers by 0.34 percentage points to 3.65%.

With reports of property prices dropping across Sydney and Melbourne and the Hayne royal commission eroding consumer trust in banks, cash back offers are the latest in a string of attempts to woo new buyers and entice homeowners looking to refinance into picking one lender over another.

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“The recent surge in incentives offered by banks, particularly cash backs, is likely a sign of growing competition in a declining market as both softening property prices in major capital cities and reduced investor activity start to show,” said uno’s founder, Vincent Turner.

Indeed uno customers – and those considering using us as an online mortgage broker – also have a cash back incentive available to them right now, separate to those on offer from the banks and lenders. With the uno deal, borrowers can essentially secure two deals for the price of one.

Buyers seeking a home loan and homeowners refinancing an existing mortgage who submit an application to a lender via uno between 12th October and 21st December, will receive $1,000 when they settle* – as long as your loan settles before 31st March, 2018.

In the table above, we’ve outlined the latest offers with terms and conditions and the deadlines for getting your applications in and the total amount you can save when you combine our offer with your chosen lender.

If you have any questions, don’t hesitate to get in touch. Our advisers are more than happy to walk you through the options and help you find the best deal for your situation.

 

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Hannah Tattersall worked as a journalist in Sydney, New York and Edinburgh before joining uno as its Content Editor. She has written for The Australian Financial Review, The Sydney Morning Herald, Qantas The Australian Way and In The Black, among other titles, and worked for 21st Century Fox and News Corp. She writes content aimed at buyers, investors, refinancers and anyone interested in the home loan process and welcomes feedback on how we can make uno's content better for you.

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