Aotearoa Insurance Ltd

Some NZ banks are offering a 1.5% cash contribution when you switch your mortgage to them—here’s what that means for you.
🏡 Thinking about refinancing your home loan? A few New Zealand banks are now offering up to 1.5% of your loan amount as a cash contribution when you move your mortgage to them. That’s $7,500 on a $500,000 loan—money you could use for legal fees, renovations, or even a holiday.
💡 But before jumping in, here are a few things to consider:
• Eligibility criteria apply—some offers require minimum loan amounts or fixed-term commitments.
• Clawback clauses may kick in if you refinance again within a set period (usually 2–3 years).
• Interest rates and fees matter too—don’t let a cash sweetener distract from the long-term cost of your loan.
🔍 If you're weighing up your options, it’s worth getting advice tailored to your situation. A cash contribution can be a great bonus—but only if the overall deal stacks up.
📲 Want help reviewing your mortgage or KiwiSaver settings to align with your first home goals? Let’s chat.

www.aotearoainsurance.co.nz
093726199

🏡 OCR Down. Your Mortgage Should Be Too.
The Reserve Bank has just cut the Official Cash Rate to 2.5%, opening the door to lower mortgage rates and better refinancing deals. If your current home loan feels heavy, now’s the time to lighten the load.
✅ Refix at today’s lower rates
✅ We negotiate rates and cashback directly with banks
✅ Free mortgage health check
Whether you're planning renovations, freeing up cashflow, or just want peace of mind, refinancing now could save you thousands.
📍 Local, trusted, and here to help
We know Waiheke. We know mortgages. Let’s make your numbers work.
📞 Call us today or visit www.aotearoainusurance.co.nz
📍 Meet us at [our Local office to the left of the Supermarket. We are in office Tuesday and Thursdays but available for meetings any day.
💬 Ask about our OCR Refix Special—available for a limited time.
email: [email protected] or call 09 372 6199.

www.aotearoainusurance.co.nz