Collect up to 400k Everyday Rewards points*
Middle connects you with an expert broker who’ll help you find the right home loan from 60+ lenders. Plus, you’ll collect Everyday Rewards points.
In partnership with:
*Eligibility criteria and T&Cs apply. Rewards based on eligible loan balance. View the Offer Details and Program T&Cs.
Expert support. More choice.More rewards.
Here’s how it works:
Get started inminutes
Answer a few quick questions, choose a time that suits and we’ll connect you with an expert broker.
Find theright loan
Your broker can compare options from a network of 60+ lenders and will help you with the paperwork.
Get Everyday
Rewards points
Collect Everyday Rewards points when your eligible home loan settles, plus more rewards each year for up to 5 years.*
*Eligibility criteria and T&Cs apply. Rewards based on eligible loan balance. View the Offer Details and Program T&Cs.
Ready to getrewarded?
Book a free and no obligation chat with a broker.
Get connected to anexpert broker
Middle works with a curated panel of high-performing brokers, chosen for their experience, proven track record and commitment to exceptional customer service. From your first conversation through to settlement, you’ll have support every step of the way.
Vache Vartanian
Hero Finance
Winner: Platinum Broker
Westpac • 2025
Stephen Michaels
Catalyst Advisers
No. 1: Top 100 Broker
MPA • 2024, 2025
Gretta Johnson
Money Lab
Finalist: ABA Loan
Administrator of the year2026
Danny Trajcevski
Traj Finance
Top 100 Brokers
MPA • 2024
Anthony Alabakov
My Mortgage Freedom
Top 100 Brokers
MPA • 2024
Hayden Dempsey
PPFWA
Finalist:
Best Residential BrokerBBA • 2025
Sergio Stefano
Brokerage & Co
Winner: Best Residential
Finance Broker (SA/NT)MFA • 2025
60+ lenders to
choose from
Your broker has access to 60+ lenders with a diverse range of options and products to suit your needs.
In partnership with:
A home loan that keepsrewarding you
Collect points when your eligible home loan settles, then collect more every year for up to five years.*
| Eligible Loan Balance* | Settlement Rewards | Anniversary Rewards |
|---|---|---|
 | ||
| $400,000 - $599,999 | 100,000 points | 30,000 points per year for the first five years⁺ ⁺When your eligible loan balance is $350,000 or more at each anniversary. |
| $600,000 - $799,999 | 150,000 points | |
| $800,000 - $999,999 | 200,000 points | |
| $1,000,000 or more | 250,000 points | |
*Eligibility criteria and T&Cs apply. Rewards based on eligible loan balance. View the Offer Details and Program T&Cs.
Experience you can trust
Middle is part of MA Financial Group (ASX: MAF), giving you the backing of one of Australia’s largest home lending networks. Across the group, more than 250,000 home loan customers are assisted each year, supported by extensive home lending experience, a broad broker network and access to 60+ lenders.
~$200bn
Home loans managed across our network
250k+
Home loan customers assisted each year
ASX:MAF
Part of MA Financial Group
60+
Lenders accessible across the network
Ready to getrewarded?
Book a free and no obligation chat with a broker.
Frequently asked questions
Getting started & booking
Am I committing to anything by booking a chat?
Does it cost anything to use Middle or speak with a broker?
Will checking my eligibility affect my credit score?
What information do I need to have ready for my initial broker appointment?
Working with your broker
How are brokers selected?
Can I choose and/or switch my broker?
Which lenders can my broker compare?
Loan & rewards eligibility
Can I collect points on more than one home loan?
What home loans are eligible to collect Everyday Rewards points?
Eligible home loans are loans secured by residential property that are established through the Middle Program and meet the applicable offer and eligibility requirements. This can include loans for buying a home, refinancing to a new lender or purchasing an investment property.
Some changes to an existing loan, such as a top-up, repricing or product switch are not eligible for rewards. Loans primarily for bridging purposes are also excluded. Please see full terms and conditions for full eligibility requirements.
Do I need an Everyday Rewards account?
Collecting & managing points
How and when will I receive my Everyday Rewards points?
Settlement points are credited to your nominated Everyday Rewards account within 120 days of settlement, once your eligibility has been confirmed.
You may also receive annual anniversary rewards for the first five years, provided you continue to meet the eligibility requirements, including maintaining the minimum eligible loan balance. These points will be credited within 120 days of the relevant anniversary date.
How does my offset account affect the points I collect?
What happens if there are two borrowers on my home loan?
When is my anniversary date?
Ready to get rewarded?
Book a free and no obligation chat with a broker. It takes about 2 minutes.
Expert brokers. More Choice. More rewards.