COVID-19 Update: Whilst we have had some staffing issues, it's business as usual for us.
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1300 942 636

More than just a Cash-Back Mortgage Broker

We compare at least 31 lenders to get you the right home loan and rebate all upfront, monthly and bonus commissions to you as cash-back. But Unbiased is more than just a Cash-Back Mortgage Broker.

With Unbiased you get visibility of all commission payments through our convenient home loan tracking platform (SmartApply) and 100% guaranteed protection from clawback.

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Commission Cash-Back

What is a Cash-Back Mortgage Broker?

A Cash-Back Mortgage Broker will pay you some or all of the commission they receive from the Bank for brokering your loan. This can add up to tens of thousands of dollars over the loan term. Most Mortgage Brokers in Australia don’t offer cash-back.

The Barefoot Investor recommends using a Cash-Back Mortgage Broker in a snippet from his latest book:

Barefoot Investor cash-back mortgage broker snippet

Upfront Commission

Paid once up to 3 months after settlement

Trail Commission

Paid each month for the life of the loan

Bonus Commission

One-off payments vary from Bank to Bank

3 Questions for a Cash-Back Mortgage Broker

While choosing a Cash-Back Mortgage Broker can save you money, they don’t all offer the same cash-back service. It’s important to compare.

Click each question to see what Unbiased offers

Do you pay some or all commission as cash-back and what fees do you charge?
Can I easily view received commission and manage my cash-back payments?
Will you protect me from clawback if I decide to refinance early?
Do you pay some or all commission as cash-back and what fees do you charge?

Once your loan settles, we rebate to you all upfront, monthly and bonus commission as cash-back.

We have two fees (these are only charged if you settle a loan with us):

  • Advice Fee (0.65% of your Loan Amount +GST).
    • You can choose to either pay at settlement or deduct it from your cash-back.
  • Cash-Back Admin Fee ($5.50).
    • Deducted from each cash-back we deposit into your bank account.

See Cash-Back and Pricing for more information

Can I easily view received commission and manage my cash-back payments?

Yes, Unbiased offers 100% commission transparency.

You can log in to SmartApply (our convenient online platform) anytime to:

  • View all payments made to us by a Bank for your loan, in an easy to read transaction summary
  • Update the Bank Account your Cash-Back is paid to

See Your Monthly Mortgage Cash-Back for an example transaction summary

Will you protect me from clawback if I decide to refinance early?

Yes, Unbiased offers full Clawback Protection. It’s part of Our 5 Point Promise to You

Cash-Back deposited into your Bank Account is yours to keep forever.

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Hottest Deals

Owner Occupier
Basic Variable

1.99% p.a.

Comparison Rate (APR): 2.02%*

Less up to 0.20% p.a. Cash-Back

Owner Occupier
2 Year Fixed

3.19% p.a.

Comparison Rate (APR): 3.57%*

Less up to 0.15% p.a. Cash-Back

Investment
Basic Variable

Principle and Interest

2.21% p.a.

Comparison Rate (APR): 2.26%*

Less up to 0.15% p.a. Cash-Back

Investment
Basic Variable

Interest Only

2.58% p.a.

Comparison Rate (APR): 2.63%*

Less up to 0.15% p.a. Cash-Back

Learn More

WHY US

We provide the same services as other mortgage brokers with some important differences. These things make us better:

Wider Range

We can deliver you a better range of options via our Online Mortgage Contest platform.
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Bigger Savings

We get you the right loan at great rates and rebate all lender kickbacks to you every month for life.
Learn More

More Convenient

Our home loan experts and online platform make getting the right loan quick and easy.
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Conflict Free

We rebate all lender kickbacks to you then charge a fraction of the cost of other mortgage brokers.
Learn More

Better Support

Our experts received the highest published mortgage customer satisfaction rating.
Learn More

Pay Less Get More

Our unique 5 Point Promise means we work hard to get your ideal loan for less.
Learn More

As featured in

WHAT PEOPLE ARE SAYING

We love to get the best results we can.
Don’t just take our word for it, see what our clients are saying!

Our Adviser went over and above to secure a mortgage for us when our financial circumstances changed right before settlement. Not only was his service fantastic, our loan has been perfect for us, and we can’t believe our eyes when we see commission in our mortgage account every month! Thank you!

MichelleProperty Buyer

The loan summary through BURST was an excellent tool to help me make the correct decision. My Adviser was also very helpful and was very patient with my questions. High recommended.

TomFirst Home Buyer

Great service & product, no need to look elsewhere. I did and it wasn’t worth it.

RichHome Buyer

Excellent service, we would highly recommend. Our adviser provided well-considered and pertinent advice.

Paul and KylieHome Buyer

Our Adviser and his crew took amazing care of us. Always felt informed and in control. Don’t think it could have gone any easier.

Jan and NerineHome Buyers

Service, transparency & range of loans available were great. I also liked the analysis that you could compete through the customer portal.

PaulRefinancer

By choosing Unbiased we were sure that we got the mortgage that was best for us. Our adviser was a pleasure to deal with. A true professional, and well experienced to answer all those little questions we had.

Luke & JohanneFirst Home Buyer

Helpful, efficient service, great products, a pleasure to deal with, thankyou!

SerenaHome Buyer

“How would you rate the quality of our service?”

  • Very High Quality
  • High Quality
  • Neutral

Looking for a Home Loan?

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*Comparison rates: Unless stated otherwise, any comparison rate listed is calculated on a loan amount of $150,000 for a term of 25 years based on an LVR of 80% or less and minimum loan of $500,000. These rates are for secured lending only. 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. Rates and fees are subject to change without notice.

Hottest Offers are subject to change at any time and eligibility is dependent on a borrower’s equity position, location and lender credit policy.


Unbiased Mortgage Brokers, Pacific Highway, Wyong, NSW 2250

Unbiased Mortgage Brokers

Unbiased Mortgage Brokers by flongle is a groundbreaking, independent service that gives you easy access to a bigger range of discounted deals not advertised by lenders or ordinary mortgage brokers. With Unbiased  you will get independent, expert help and better deals for less than the cost of an ordinary broker.

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