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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
** SPECIAL OFFER HOME LOAN PRICING AND CASHBACK; TERMS AND CONDITIONS
Offer Period: 3 Sep 2026 until withdrawn at Border Bank’s discretion.
1) The promotional offer comprises:
a) special Fixed Interest Rates from 5.84% p.a. and special variable rates from 5.94% p.a. available for a three-month offer period; and
b) cashback available on eligible Variable and Fixed Interest Rate Customs Value and Goldrate home loans.
The offer is available to eligible current and new Border Bank members refinancing a home loan from another financial institution to Border Bank. It does not apply to the transfer, rewrite or refinance of an existing Border Bank or Police Bank home loan.
2) The cashback offer applies to eligible owner-occupied and investment refinances funded on either a Variable Interest Rate or a Fixed Interest Rate, provided all other eligibility criteria are met.
3) Border Bank reserves the right to vary, extend or withdraw the special variable interest rate or cashback offer at any time without prior notice. To qualify for cashback, applicants must:
a) Meet eligibility criteria below;
i) Apply for an eligible Border Bank Customs Value or Goldrate Variable Interest Rate or Fixed Interest Rate home loan during the offer period.
ii) Meet minimum loan amount of $300,000 and have a loan-to-value ratio (LVR) of 80% or less.
iii) Complete loan settlement within 90 days of application
iv) Direct their salary/wages to be credited to their Border Bank Easy Access transaction account for a minimum of three (3) consecutive salary deposits
v) Offset is available on eligible variable-rate products. Offset does not apply during a fixed-rate period.
vi) The special fixed interest rates from 5.84% p.a. and Variable Interest Rates from 5.94% p.a. applies for the three-month offer period. Eligibility is for new borrowings and external refinances into Border Bank, up to 80% LVR. The cashback offer applies separately to eligible Variable Interest Rate and Fixed Interest Rate loans.
vii) Borrowers must qualify for Border Bank membership.
4) Eligible Loan Types:
a) New-to-bank refinances from another financial institution, excluding Police Bank and Police Bank internal refinances, transfers and rewrites.
b) Owner-occupied or investment lending; Variable Interest Rate or Fixed Interest Rate; Principal & Interest repayments only; maximum 80% LVR; and minimum total eligible lending of $300,000.
5) Cashback Amounts
a) The cashback amount is determined on applicable loan amount bracket below:
i) $300,000 – $499,999: $2,000 cashback
ii) $500,000 or more: $3,000 cashback
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.