Refinance and get up to $4,000 cashback*

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

4.99
%
pa
3 year fixed rate†
Up to 80% LVR OO, P&I
5.64
%
pa
Comparison rate^
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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.

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Find the right home loan for your needs

Customs Value Home Loan - Variable

5.79
%
pa
Variable rate†
5.86
%
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

4.99
%
pa
3 year fixed rate†
5.64
%
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

4.99
%
pa
3 year fixed rate†
5.71
%
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.

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

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FAQ

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Important Information

*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 Australian police employees (uniformed or civilian) 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.

To be eligible for the Border Bank cashback offer, applicants must:

    • Be a current or retired employee of an Australian Border Force, including Border Protection, Immigration, National Security or related vocation. Please see here for more details.
    • 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

Cashback is calculated on the total net loan amount:

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

For full terms and conditions, see here.

 

Home Loan Terms & Conditions

†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.

^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.

Lenders Mortgage Insurance (LMI) required for Loans with an LVR greater than 80%. If you decide to repay your home loan, refinance or switch to another lender within the first year, then you may be eligible for a partial refund of your LMI repayment. An early repayment may apply if you repay your loan or switch to another one before the end of your fixed term or make early or additional repayments above $9,999. Once the fixed rate period ends, the loan reverts to a variable rate loan and repayment amounts will change. Offset Account is not available on Interest Only or Fixed Rate loans.

Minimal loan amount is $300,000.

Customs Value Home Loan is only available to Current and Retired Employees of an Australian Border Force organisation uniformed or civilian.

A Financial Services Guide (FSG) including loan terms and conditions is available at all branches upon request, and here.