I don’t just find you a home loan and move on. I review your loan every year to make sure your rate stays competitive, and I return part of my commission to you as a rebate, on top of any lender cashback you may receive.
Get Yearly Cashback on Your Home Loan
- Cashback through broker commission rebates
- Keep lender cashback offers on top of our rebate
- Compare rates from 40+ leading lenders
- No broker fees, ever
- Annual reviews to protect you from the “loyalty tax”
Who I Am & How I Work
Hi, I’m Nick Ireland. With over 20 years in financial services, I’ve seen how much opportunity there is to reimagine the way Australians experience lending. I believe the future belongs to a customer-first model—one built on transparency, service, and exceptional value. That’s why I founded Australian Mortgage Rewards: to deliver a better way—one that:
- Puts clients at the centre of every decision
- Delivers meaningful value on every loan
- Builds long-term relationships grounded in trust and results
What Makes Me Different
I became a broker because I believe independent advice makes all the difference. Unlike banks, I compare options, negotiate sharper deals, and keep your loan competitive. But here’s what truly sets me apart: I share part of my commission with you—paid twice yearly over three years.
- No gimmicks, just a genuine, ongoing benefit
- Adds up to real money over time (around $800 a year per $1M loan)
- Paid on top of any cashback the lender offers
The Loyalty Tax (And How I Help You Avoid It)
Banks often reward new customers with lower rates, while long-term clients end up paying more. This is known as the “loyalty tax.”
I protect my clients from this by:
- Reviewing your loan every year
- Asking lenders to re-price your loan if your rate drifts up
- Making sure you never pay more than you need to
How My Cashback Rebate Works
Based on Loan Size
The rebate is linked to the size of your loan, which determines the commissions paid by the lender
On Top of Lender Offers
You’ll still receive any cashback incentives offered by the bank or lender
Built for Loyalty
This isn’t a one-off — it’s my way of rewarding your loyalty and building a long-term relationship
Why Work With Me
- Part of the Mortgage Australia Group, one of the country’s largest broker networks
- Authorised credit representative and member of the Mortgage Finance Association of Australia (MFAA)
- Clear, honest advice with no jargo
- A broker who stays with you long after settlement
- Cashback rebate + ongoing reviews = lasting value
My Process Is Simple
Working with me is straightforward and stress-free
Tell me about your goals and current loan
I compare options across lenders and recommend the right fit
I lodge and manage your application, then review it annually
Frequently asked questions
How do I receive my cash back?
Paid into your nominated bank account twice yearly.
How much cash back do I receive?
Cash back is based on the loan amount net of any offset balance. This determines the lender commission payment upon which your cash back is based.
How do I know I will receive the full cash back?
Our rewards program is backed by a contract agreement which each customer setting out our commitment to you in writing.
Do you charge a fee?
No. I’m paid by the lender. The rebate I share with you comes out of my commission.
What’s the “loyalty tax”?
It’s when banks charge long-term customers higher rates than new borrowers. I prevent this with annual reviews.
Some of Our Lending Partners
