Lender specials April 2026: archived snapshot of 10 cashback, fee-waiver and loading-off offers
The table below is our record as at 23 April 2026 — ten programs we recorded as live on that day across eight lenders, covering residential, SMSF and channel-distributed stock. It is a historical snapshot, not a list of offers available now.
| Lender | Status | Start | End | Offer | Who it suits / what to watch |
|---|---|---|---|---|---|
| Uptain | Live on 23 Apr 2026 | 01 Feb 2025 | No stated end date (UFN at the time) / 当时未设截止日 | Promo on Vital Star Full Doc and Alt Doc products. Final pricing via BDM. | Self-employed or contractor borrowers whose income doesn’t fit Full Doc. Uptain distributes through accredited brokers only — you cannot walk into a branch and ask for this. |
| Suncorp | Live on 23 Apr 2026 | 06 Sep 2023 | No stated end date (UFN at the time) / 当时未设截止日 | No annual Home Package Plus fee for the life of the loan (T&Cs apply). | Owner-occupiers who will actually use the package — offset account, eligible credit card, insurance bundle. Package fee sits at $395/yr, so over 30 years that’s ~$11,850 of structural saving. If you’d otherwise buy a basic no-frills product, the waiver is worth less than it looks. |
| ORDE Financial | Live on 23 Apr 2026 | 07 Oct 2025 | No stated end date (UFN at the time) / 当时未设截止日 | Application fee waived on certain SMSF applications (T&Cs apply). | Self-managed super borrowers buying an investment property through the fund. SMSF application fees normally run $2,000–$3,500. Non-bank SMSF rates are still 70–120 bps above vanilla investment — the waiver helps with the upfront, not the ongoing cost. |
| ORDE Financial | Live on 23 Apr 2026 | 01 Oct 2025 | No stated end date (UFN at the time) / 当时未设截止日 | Residential Prime loans $2.0m–$3.0m: large-loan rate loading waived (T&Cs apply). | HNW borrowers in the $2m–$3m range. Most majors apply 10–30 bps of loading at this size; ORDE is removing it entirely for Prime-tier files. Works well as a stalking horse to squeeze more discretionary discount out of a Big-Four banker. |
| ME Bank | Live on 23 Apr 2026 | 15 Jun 2024 | No stated end date (UFN at the time) / 当时未设截止日 | $3,000 cash back for refinancing. Minimum loan $700k, LVR < 80% (T&Cs apply). | Refinancers with >$700k outstanding and meaningful equity. ME’s variable is around 5.94% — fine but not leading. If a sharper non-cashback lender sits 15 bps below, the cashback pays for itself in about 24 months on an $800k loan; past that point, you’re subsidising ME. |
| IMB | Live on 23 Apr 2026 | 24 Oct 2024 | No stated end date (UFN at the time) / 当时未设截止日 | Up to $4,000 cashback on home loans with LVR < 80%. | Owner-occupiers or investors on the NSW / Illawarra corridor who want maximum one-off cash at settlement. IMB’s headline rate is usually 15–25 bps above the sharpest non-major — on an $800k loan held five years, the rate gap can eat half of the $4,000. |
| Latitude Personal Finance | Ended by 23 Apr 2026 | 02 Mar 2026 | 02 Apr 2026 | Latitude "Price Beat" on personal loans (T&Cs apply). | Unsecured personal lending only — cars, renovations, debt consolidation. Not a home-loan product. Closed out on 2 April 2026; listed here for completeness. Arrivau doesn’t broker Latitude personal loans. |
| Great Southern Bank | Live on 23 Apr 2026 | 30 Jun 2025 | 31 Jul 2026 | $0 establishment fee on new applications submitted (T&Cs apply). | Fee-sensitive first-home buyers and upgraders who aren’t sure they’ll stay past the typical cashback clawback window. Establishment fees normally $600–$900. Because this is a waiver (not a cash handout), there’s no clawback if you leave at month 13. |
| Bank of China | Ended by 23 Apr 2026 | 01 Apr 2024 | 31 Mar 2026 | $2,888 cash rebate on loans ≥ $400,000 (T&Cs apply). | Two-year program that wrapped up on 31 March 2026. From 1 April 2026, BoC’s consumer offer moved to the "Discount Plus Home Loans" structure shown in the next row. |
| Bank of China | Live on 23 Apr 2026 | 01 Jan 2025 | No stated end date (UFN at the time) / 当时未设截止日 | New special offers on Discount Plus Home Loans (T&Cs apply). | Borrowers with China / Hong Kong income streams, Chinese employer payslips, or 482 / 186 sponsored work-visa files — BoC Australia has one of the more permissive policies in this market. Exact discount varies by file; expect the number to emerge only after broker negotiation on banker discretion. |
Source: BDM product sheets collected through Arrivau’s broker channel, cross-checked 23 April 2026. "No stated end date" means the lender had flagged the program UFN (Until Further Notice) on that date, not that it is still running — lenders can withdraw any of these on a single business day without notice. This archive has not been re-checked since 23 April 2026, so treat every row as a historical record. For anything you are about to act on, rely on the signed Letter of Offer, not this page.
How to read the table
A cashback is only worth what the rate lets it be worth
The $3,000–$4,000 numbers catch the eye. The rate underneath them is where the money actually lives. Fifteen basis points on an $800k loan is $1,200 a year, so a $3,000 cashback tied to a 15 bps rate penalty is a net loss by month 30. Cashback stacks up best when (a) the underlying rate is already in the top quintile of the market, (b) the borrower has a genuine near-term cash need at settlement, and (c) there’s low odds of refinancing inside the clawback window.
Fee waivers beat cashback for uncertain stayers
The April table’s Great Southern $0 establishment fee and Suncorp lifetime package-fee waiver are the examples here — check whether each is still offered today before you price it in. When a fee waiver is on the table, the reason it tends to beat cashback is that it doesn’t trigger clawback if you leave after 13 months, and (for owner-occupied) it isn’t treated as assessable income the way investment-property cashbacks often are under ATO rulings. Structural savings that compound without conditions tend to outperform a single cheque.
Large-loan loading waivers are the hidden high-value play
The April table’s ORDE $2m–$3m loading removal shows what this class of special is worth when a lender writes it into product policy: 10–30 bps on files that most brokers never think to shop around, which on a $2.5m investment loan at 80% LVR over a normal 5–7 year horizon is $15,000–$50,000 — an order of magnitude more than any cashback in the table. If you’re in that loan-size band, ask your broker to check whether a large-loan loading waiver is on offer now, and to quote it alongside the major you were leaning toward. Even if you don’t move, having the quote in hand tends to unlock another 10–20 bps of banker-discretion discount from the major.
If you want Arrivau to run your file against these offers
We hold accreditation with every lender on this list (Uptain, Suncorp, ORDE, ME, IMB, Great Southern and Bank of China), so we can re-check what each one is actually offering today and put your file through whichever combination makes sense. Tell us the lender and product from this table you want tested; a two-minute enquiry form is enough, and you’ll have three shortlisted quotes back within one business day, with the cashback / fee-waiver / rate trade-off laid out side by side.
Phone show number · email show email · Arrivau Pty Ltd, ASIC Credit Representative CRN 530978, MFAA member.
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