Get up to $10,000+ cashback and lower interest rates*
Simply complete the 30-sec quiz below to find your potential cashback eligibility
No cost, no obligations
No annoying marketing emails
Compare the best rates and deals across all NZ banks
Banks reward new clients, not loyal ones.
If you haven’t reviewed your mortgage in the last 12–18 months, there’s a good chance you’re overpaying - and your bank isn’t going to tell you about it.
Banks are offering cashback incentives and sharper rates to attract new borrowers - yet most existing clients never hear about it.
A quick review can uncover thousands in cashback or interest savings before your next refix.
Why Look at Refinancing?
Up to $20,000 Cashback.
The big banks are fighting hard to get you to refinance with them. They’re offering up to 1% of your loan amount just for switching your home loan.
This means you could get a nice cash reward by moving your mortgage now, so it’s a good time to check your options..
Lower Rates & Smarter Structure
We always check all options for the best deal, but it’s not just about the interest rate. How your loan is set up matters a lot.
The right setup can cut years off your loan and save you hundreds of thousands in interest over time..
Stay or switch - You Decide
Even though you don’t pay us, we work for you! We compare all major banks and lenders to find the best deal.
If your current bank is still the best choice, we’ll tell you honestly and recommend you stay with them.
FAQ’s
Still not sure? See these commonly asked questions below
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Yes! My service is 100% free for you. I’m paid by the lender once your loan settles - which means you get expert advice and support at no cost.
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The amount of cashback depends on the size of your loan - as a ballpark figure you’re likely to get around 0.9% cashback, so $6,300 on a $700,000 loan.
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Things are definitely competitive at the moment with some great rates and offers, but it depends on your current loan, interest rate, and financial goals. I’ll help you assess whether refinancing could actually benefit you right now.
If it’s not the best move for you right now, I’ll be straight up and tell you that.
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Even if you’re locked into a fixed term, I can still review your options and plan ahead. Sometimes the long-term savings outweigh the break fees - I’ll run the numbers for you and see what the best move is for you.
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Typically 2-3 weeks once documents are provided - sometimes faster if urgent. We manage the entire process with the bank and your solicitor so there’s no admin burden on you.
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We run a full cost vs benefit calculation before anything moves forward - including cashback, rate savings, structure strategy and future flexibility. If the maths doesn’t add up - we won’t recommend it
We negotiate across all major NZ banksWe access live pricing and cashback offers you won’t find onlineWe optimise your loan structure and future flexibilityWe’re paid by the bank, not by you
Independent, licensed, and focused solely on your financial outcome
We act for you — not the bank.
What my clients are saying.
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“Bryce helped us recently with refinancing our home loan. His advise was prompt and precise and helped us make the right decision.”
Dayal R.
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“We used Bryce recently for a restructure and home loan top up. Super easy and really fast. Bryce was great we will be using his services again.”
Gabbie B.
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“Bryce helped us restructure our mortgage and secure a cashback we didn’t even know existed. We stayed with our bank - but we’re saving thousands.”
Georgia G.
We work with over 25 lenders to ensure you’re getting the best deal
Get in touch for a quick no-obligation chat to see if you could be saving thousands on your mortgage