You could get a lower rate and cash back just by switching banks. Most homeowners never check.
A licensed broker checks every major NZ lender for you, free, takes 60 seconds.
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Compare every New Zealand mortgage lender
All major banks and non-bank lenders compared.
What Kiwis are saying
Saved $340 a month
“We'd been with the same bank for six years. The broker found a lower rate and sorted the paperwork while we were at work.”
Cashback covered the legal fees
“Switching cost less than I expected. The cash incentive paid the lawyer and there was still some left over.”
First home, sorted in a fortnight
“I had no idea where to start. Our broker explained the deposit side plainly and we had pre-approval two weeks later.”
Why Kiwis refinance
Most people's rate is set once, when they fix, and the bank rarely revisits it. Refinancing is just checking whether another lender will do better. A broker does most of the legwork.
Cashback can cover the move
Switching lenders often comes with a cash incentive that can offset legal fees and break costs, with money left over.
You can restructure at the same time
Split your fixed terms, adjust your loan length, consolidate higher-interest debt, or release equity for renovations while you're refinancing anyway.
A broker negotiates on your behalf
Brokers see live pricing across lenders and can often get your existing bank to improve its offer rather than lose your business.
One check, every major lender
Rates and cashback move constantly, and no single bank is best for everyone — your broker compares them for your situation.
NZ's largest lender, competitive across loan sizes
Often strong on cashback for larger loans
Flexible split and offset loan structures
Good options for self-employed borrowers
NZ owned, sharp on shorter fixed terms
Frequently matches other banks' offers to win business
Plus non-bank lenders. Comparisons are general information, not financial advice.
GetMyLoan does not provide financial advice. We connect you with a licensed Financial Advice Provider registered on the Financial Service Providers Register (FSPR) and regulated by the Financial Markets Authority (FMA). Not affiliated with Meta or Facebook.