Your bank may owe
you a cashback.
On a $700,000 loan
that’s approx. $7,000.
Most banks pay a cashback when you take a loan, on the condition you stay three or four years. Your bank won’t remind you when that window closes. Fifteen minutes on the phone and we’ll tell you where you sit.
Book my free reviewWe wrote to you from public property records. We don’t know your bank, your rate, or what you owe.
North Shore based since 2017; in person, over video, or by phone.
What you’d actually walk away with
Drag to your approximate loan balance. Cashback is paid as a percentage of the loan you refinance, so the figure moves with the size of the loan, not with how good a customer you’ve been.
Break fees are not in this figure. If you’re mid fixed term they can wipe out the lot, and that’s the first thing we check.
Based on 0.90% to 1.25% of loan value, which is broadly what lenders are paying as at August 2026. Indicative only; offers depend on the lender, your loan size and your equity position, and they change regularly.
Fifteen minutes. No obligation, no cost.
Once your clawback period clears, you have options.
Your bank pays you to stay
We take a competing offer to your current lender and ask them to match it. No moving banks, no new paperwork, just better terms on the loan you already have.
A new bank pays you to switch
We put the banks in competition and secure you a sharper rate plus a fresh cashback of 0.90%–1.25% with a new lender. We handle the entire process end to end.
Whichever way it goes, the review costs you nothing.
How cashback clawbacks actually work
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You received a cashback when you took your loan
Most banks pay a cash contribution when you join, on the condition you stay with them, typically for three or four years.
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Leave early, and you repay some or all of it
That’s the clawback. It’s why switching banks mid-window rarely stacks up, and why most people rightly sit tight.
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Once the window clears, you’re free
No repayment obligation. Now your bank has to compete for you like any other lender; we get an offer from a new bank and see whether yours will beat it. Most homeowners never notice the date pass.
What we’ll tell you in 15 minutes
- Where you sit in your clawback window, and roughly when you’re free to move
- What your current bank is likely to offer to keep you
- What a new lender would pay you in cashback
- Break fees, legal costs and timing, so you see the net figure rather than the headline
If the numbers don’t stack up, that’s a legitimate result and we’ll say so.
Good advice goes beyond the cashback.
At Twine we treat a mortgage as something to be managed, not just arranged.
The rate matters, but it’s rarely what decides how much you pay over twenty five years. That comes down to how the loan is split, how long you fix for, and whether the repayments are sized to your life rather than the bank’s default.
We advise on both mortgages and KiwiSaver, and we bring the two together, so they’re working toward the same goals rather than running separately.
The cashback review is where that conversation starts. Where it goes from there is up to you.
Eugene BartsaikinMortgage Adviser · Director
Daniel JespersenMortgage Adviser
Galina GolubMortgage Adviser
Visit us on the ShoreSuite 14, 33 Apollo Drive, Rosedale, AucklandWe’re a boutique firm. Three advisers, backed by five loan writers and client managers who prepare your application, chase the banks and keep things moving; so you deal with your adviser, not a call centre.
Three steps. Fifteen minutes to start
Book a 15 minute call
In our Rosedale office, over video, or by phone. We work out what’s worth looking at. If it’s more than fifteen minutes of work, we’ll say so and book a longer session.
We do the legwork
We confirm where you sit in your clawback window, then take your position to the banks, including your own.
You choose
Stay on better terms, or move for a sharper rate and a fresh cashback. If neither stacks up, we’ll tell you that too.
What our clients say
“We were interested in refinancing to another lender but were put off by the process and admin. Eugene and Co took all of the hassle out of it and guided us throughout. It made what would have otherwise been a complex and time consuming process very manageable and stress free. Not to mention the nice cashback received at the end and a very good choice of new lender that seems to suit our circumstances better than the incumbent.”
“Twine has been amazing to work with. Incredibly responsive from the very beginning, always ready to jump on a call whenever we needed guidance. They presented us with a range of mortgage options, took the time to explain each one clearly, and supported us in choosing the option that was best for our situation… And it doesn’t stop at mortgages; they also offer thoughtful advice and help you plan for future financial decisions.”
“Daniel from Twine was fantastic. Walked us through every step of the process and made it easy even when the banks were super pedantic. Ours was a complicated structure but Daniel understood it from the start and helped me better understand too. We structured across two lenders to maximise our leverage – great rates and offers from two banks as a result.”
In our Rosedale office, over video, or by phone.
Before you book, the things people ask us
Why did I get a letter from you?
Fair question, and we’d rather answer it up front. Your address came from publicly available property information, compiled by our data partner ValueProp Ltd, who sends letters on our behalf. We don’t know your loan details, your bank, or anything you haven’t told us. The letter simply reflects that your property may be at a stage where a mortgage review is worth having. If you’d rather not hear from us again, one call or email and we’ll exclude your address. Full details in our Privacy Policy.
How much do the banks pay you?
For the upfront settlement of your loan, we may receive an upfront commission between 0.55% and 0.90% of the initial mortgage balance or amount funded from the lender.
For the maintenance of your loan including loan refixes, we may/will also receive between 0.15 – 0.20% of your mortgage balance on each anniversary or $150 – $200 for any refixes completed at ANZ or ASB Bank.
How do I know if I’m still in my clawback period?
Check your original loan documents, ask your bank, or just ask us. Most clawback windows run 3–4 years from drawdown. In your review we’ll confirm exactly where you sit and when you’re free to move without repaying anything.
Does the review really cost nothing?
Yes. Like most NZ mortgage advisers, we’re paid by the banks, and they pay us whether you stay or refinance, so our advice doesn’t depend on you switching. We’ll always disclose exactly how we’re paid before you commit to anything.
Are there costs to refinancing I should know about?
Yes. Break fees if you’re mid-fixed-term, plus legal fees for the switch (typically $1,000–$1,500). Part of our job is putting these against the cashback and rate savings so you see the true net benefit. If the numbers don’t stack up, we’ll tell you.
Do I have to leave my bank?
No. Staying is one of the two good outcomes. Often the strongest move is using a competing offer to negotiate a retention deal with your current bank. You keep your accounts, your app, just on better terms.
How long does it take?
A retention negotiation with your own bank can land within days. A full refinance to a new lender typically takes 2–4 weeks end to end — and we run the process for you.
Is everyone eligible for 0.90%–1.25%?
No, offers depend on the lender, your loan size, equity position and circumstances, and they change regularly. That’s exactly what the review establishes: what you specifically can get, in writing, before you decide anything.
Book your cashback review
Pick a time that suits. Fifteen minutes, no obligation.
No cost, no obligation — our advice is paid for by the lender, not you.
Your details go to our advisers only. No pushy follow-up, and we’ll never share your information for marketing.