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Refinance and get up to $3,000** cashback
Enjoy competitive rates, no monthly fees, and flexible repayment options designed to suit your needs.
Refinancing with Border Bank means more than just savings
With up to $3,000** 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.
See terms & conditions below
Find the right home loan for your needs
Customs Value Home Loan - Variable
Customs Value Home Loan - Fixed
Customs Value Home Loan – Investment
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.
Ready to apply?
We're here to help Monday to Friday from 8:00am to 6:00pm AEST
Important Information
**Eligibility & Offer Details
Offer Period: 31 July 2026 until withdrawn at Border Bank’s discretion.
- This cashback offer is available to current and new members of Border Bank who refinance an existing owner-occupied home loan or investment home loan from another financial institution.
- Border Bank reserves the right to vary, extend, or withdraw this offer at any time without prior notice. To be eligible for the cashback offer applicants must:
- Meet eligibility criteria below;
- Apply for a Border Bank Customs Value 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.
- Direct their salary/wages to be credited to their Border Bank Easy Access transaction account for a minimum of three (3) consecutive salary deposits.
- Complete loan settlement within 90 days of application.
- Meet eligibility criteria below;
- 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 determined on applicable loan amount bracket below:
- $300,000 – $499,999: $2,000 cashback
- $500,000 or more: $3,000 cashback
- The cashback amount is determined on applicable loan amount bracket below:
View the full terms & conditions here.
*The comparison rate is based on a loan of $150,000 over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.