Refinance and get up to $4,000 cashback*

Enjoy competitive rates, no monthly fees, and flexible repayment options designed to suit your needs.

Request a call back Apply now

Refinancing with Border Bank means more than just savings.
With up to $4,000 cashback and loan options to suit your needs, you’ll have the confidence of knowing your money is where it belongs, back in your pocket.
Our dedicated lending specialists are here to help, get in touch today.

Request a call back

Find the right home loan for your needs

Customs Value Home Loan - Variable

5.84
%
pa
Variable rate†
5.91
%
pa
Comparison rate^
†Based on up to 80% LVR and Owner Occupied, Principal & Interest repayments
No monthly account keeping fee or annual fee
Choose your repayment schedule – weekly, fortnightly or monthly
Unlimited additional repayments
Offset facility available
Capitalise on Interest Rate movements when rates go down
Apply now

Customs Value Home Loan - Fixed

5.99
%
pa
2 year fixed rate†
5.94
%
pa
Comparison rate^
†Based on up to 80% LVR & Owner Occupied, Principal & Interest repayments
No monthly account keeping fee or annual fee
Choose your repayment schedule – weekly, fortnightly or monthly
Redraw up to $50,000
Additional repayments available on fixed loans up to $9,999 per year
Interest only available (max 5 years)
Apply now

Customs Value Home Loan – Investment

5.99
%
pa
3 year fixed rate†
6.10
%
pa
Comparison rate^
†Based on up to 80% LVR & Investment, Principal & Interest repayments
Option to split home loan into variable and fixed option
No monthly account keeping fee or annual fee
Redraw facility available
Option to split home loan into variable and fixed option
Apply now

Home loan repayments calculator




Why choose us?

We’re all about you

From providing assistance with your application to conditional approval within 72 hours, we’ll work hard to get you sorted with the loan that’s right for you.

We’re big on security and big on service

Just like the big banks, we need to meet the same high standards and protocols to ensure your banking is safe and secure. But unlike the big banks, we’re not here to make big profits. We’re here to help you reach your financial goals with service that’s focused on your needs, not ours.

We offer competitive rates with no monthly or annual fees

Because we’re member-owned, our profits come back to you through lower rates and fees and better benefits for all.

Free Property Report

Access two free downloadable property reports for when you’re looking to buy, sell or want an overall property snapshot.

Get your free property report today

Ready to apply?

We're here to help Monday to Friday from 8:00am to 6:00pm AEDT

Apply now Enquire now

Important Information

*Eligibility & Offer Details 

Offer Period: 1 February 2026 until withdrawn at Border Bank’s discretion. 

This cashback offer is available to current and new Border Bank members who meet our common‑bond membership eligibility criteria, and refinance an existing home loan during the offer period. Border Bank reserves the right to vary, extend, or withdraw this offer at any time without prior notice. 

Meet eligibility criteria below;
To be eligible for the cashback, you must meet all of the following requirements: 

  • Apply for a Border Bank Custom Value Home Loan or Goldrate Home Loan during the offer period. 
  • Meet minimum loan amount of $300,000 and have a loan-to-value ratio (LVR) of 80% or less. 
  • Open and maintain a Border Bank Easy Access S1 transaction account with card access. 
  • Complete loan settlement within 90 days of application. 
  • Direct their salary/wages to be credited to their Border Bank Easy Access transaction account for a minimum of three (3) consecutive salary deposits. 
  • Be a Border Bank member and meet the Common Bond eligibility criteria

Eligible Loan Types: 

  • Refinanced home loans from other financial institutions (excluding Police Bank). 
  • Owner-occupied or Investment, Fixed or Variable, Principal & Interest repayment only. 

Cashback amounts 

The cashback amount is based on the total approved loan amount: 

  • $300,000 to $499,999: $2,000 cashback 
  • $500,000 to $749,999: $3,000 cashback 
  • $750,000 or more: $4,000 cashback 

See full terms & conditions.