Refinance cashback calculator
Coming soon — this calculator is being migrated across from the original arrivau.com.au Hugo build. All nine calculators will be live on this English site before the end of Q2 2026.
In the meantime, the identical tool is available at arrivau.com.au and the underlying maths is unchanged — the rate tables refresh monthly, the serviceability buffer follows APRA’s 3% floor and the stamp-duty logic covers all eight states and territories.
What the calculator will compare you against
The output of any refinance calculator is only as useful as the alternatives you feed into it. Arrivau keeps a monthly-refreshed tracker of every cashback, fee-waiver and loading-removal program from the lenders we hold accreditation with. As of 23 April 2026 that tracker has ten offers, including:
- IMB — up to $4,000 cashback, LVR < 80%
- ME Bank — $3,000 refinance cashback, loan ≥ $700k, LVR < 80%
- Bank of China — Discount Plus Home Loans (new specials from 1 Apr 2026; earlier $2,888 rebate closed 31 Mar 2026)
- Suncorp — Home Package Plus annual fee waived for life
- Great Southern Bank — $0 establishment fee on new applications
- ORDE Financial — large-loan rate loading waived on Prime $2.0m–$3.0m
The full ten-offer tracker (with target-borrower notes, end dates and typical catches) lives at /lender-specials/. The deeper analysis of why a $4,000 cashback is often worth less than a 15 bps rate discount sits at Cashback refinance offers: the hidden costs.
If you’d like an Arrivau broker to run the numbers for you by hand, phone +61 451 827 455 or email [email protected] — it takes about 20 minutes.