Border Bank Cashback Campaign Terms & Conditions

Eligibility & Offer Details

Offer Period: 1 August 2025 to 30 September 2025, or until withdrawn at Border Bank’s discretion.

This cashback offer is exclusively available to current and retired employees of Border Protection, Immigration, National Security or a related area within the Department of Home Affairs who 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;
    • Apply for a Border Bank Customs Value 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.

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 – $749,999: $3,000 cashback
  • $750,000 or more: $4,000 cashback

Payment Terms

• • Cashback will be deposited into a Border Bank Easy Access (S1) transaction account or Border Bank designated savings account within eight (8) weeks of loan drawdown or settlement. The receiving account must be held in the same name(s) as the home loan. Where an application is made for joint borrowers and they do not hold an eligible Border Bank Easy Access (S1) transaction account jointly, Border Bank may pay the Cashback Payment into an eligible Border Bank Easy Access (S1) transaction account held in the name of either the primary or secondary borrower. Where no specific account instructions are provided by the borrower(s), the cashback amount will be applied as a credit to the home loan account to reduce the outstanding balance
  • A Border Bank Easy Access (S1) transaction account with card access and active salary credit must be established before cashback payment
  • For multiple loans, all loans must be funded before total cashback is assessed and paid
  • Cashback is payable once per loan that is accepted by Border Bank regardless of number of applicants or properties involved in the transaction.
  • A member can only be party to this cashback offer once.
  • Once a qualifying loan application is accepted, no further applications involving the same borrower(s) – whether individually or jointly with others – will be eligible for cashback payments for the following 12-month period
  • This Offer cannot be assigned or transferred.

Important Exclusions & Conditions

• • Not available in conjunction with any other promotional offers, bonuses or cashback payments
  • Offer applies exclusively to Border Bank Customs Value Home Loan products for both owner-occupier and investment purposes.
  • Offer excludes all Interest Only Loans, including Construction and Bridging Loans.
  • Finance will be assessed for cashback eligibility based on the final loan amount upon completion, subject to Border Bank’s lending criteria. Split loans and supplementary facilities secured against the same property are treated as a single loan application for cashback purposes
  • This offer excludes internal refinancing or rewrites and is not compatible with any other cashback offer issued by Border Bank.
  • If you have received cashback on the intended property in the past you will not be eligible for this offer
  • Your Home Loan must be active at time of cashback payment

 Legal & Compliance Terms

• • Fraud Protection: Border Bank reserves the right to reject, cancel, or recover any cashback payment where there are reasonable grounds to suspect fraudulent activity, misrepresentation, or illegal conduct in connection with the loan application or customer dealings.
  • Tax Responsibility: Members are solely responsible for any tax implications or liabilities arising from receipt of the cashback payment. Border Bank recommends consulting a tax advisor regarding potential tax consequences.
  • Relationship to Loan Products: These cashback terms are separate from and do not form part of the credit contract for the associated home loan. Standard lending criteria, fees, charges, and loan terms and conditions apply as detailed in Border Bank’s Home Loan Terms and Conditions. In case of any conflict between these cashback terms and the loan product terms; the loan product terms take precedence.
  • Governing Law: This offer is governed by Australian law and the jurisdiction of Australian courts.

Disclaimer

Terms and conditions apply. Standard fees, charges, eligibility and lending criteria apply to all loan products as detailed in Border Bank’s current Schedule of Fees and Charges and Home Loan Terms and Conditions available at branches and online. This offer is subject to credit assessment approval and Border Bank’s standard lending criteria. A Financial Services Guide (FSG) is available at all branches, on our website, and upon request. Border Bank reserves the right to request additional documentation to verify eligibility.

Effective Date: 1 August 2025