02/09/2026
The OCR has just increased by 25 basis points to 2.75% – and banks are still competing hard for your mortgage.
Rising rates don't mean cashback offers disappear; if anything, lenders are using them to win business in a tighter market.
With current cashback offers of $5,400 - $7,500 for an average $600,000 mortgage, refinancing could do more than get you a better rate – it could put real money back in your pocket.
Find out what you could be eligible for → https://haven.co.nz/unlock-your-mortgage/