Could another bank give you a better home loan deal?
Compare rates and cashback across NZ lenders. Free, about 60 seconds, no credit check.
What matters most?
We compare every major lender
Why Kiwis refinance
Your bank sets your rate when you fix, then rarely revisits it. Refinancing is simply checking whether another lender will do better, and most of the work is done for you.
On a $600,000 loan, 0.5% less interest is roughly $3,000 a year back in your pocket, or years off your loan if you keep repayments the same.
Cashback of up to $30,000 is used to win refinancing business. It can cover legal fees and break costs, with plenty left over.
Split your fixes, adjust your term, consolidate higher-interest debt, or release equity for renovations.
Advisers see live pricing across lenders and can often get your existing bank to sharpen up instead.
One check, every major lender
Rates and cashback move constantly, and no single bank is best for everyone. Your adviser compares them side by side for your situation.
Plus non-bank lenders. Comparisons are general information, not financial advice.
What other Kiwis say
“The adviser found a rate 0.6% lower than what our bank offered to keep us. Same repayments, years off the loan.”
“Filled in the form on a Tuesday night, had a call Wednesday morning, and signed a new loan two weeks later.”
“Easiest financial decision I've made. The adviser did the paperwork and chased the bank for me.”
How it works
- 1Answer a few questions
About 60 seconds, no credit check, no documents needed.
- 2An adviser reviews your situation
A licensed NZ adviser compares lenders, rates, and cashback for you.
- 3You decide, they do the rest
If it stacks up, your adviser handles the application and the bank. Free to you either way.
Free, no obligation, no credit check.