Lighthouse Financial ads

Active on Facebook, Instagram, Audience Network, Threads. Your bank's refix letter shows one rate. It doesn't show what other lenders, or new customers, are being offered. If you owe $500k or more and your fixed rate ends in the next few months, check before you accept. Our calculator compares refixing with switching, including cashback and costs, in about a minute. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram, Audience Network, Threads. Banks pay cashback to win new home loans. Our calculator shows what a new bank could pay you, and whether switching or staying leaves you better off once costs are counted. It takes about a minute, and rough figures are fine. Cashback varies by lender and is usually repaid if you leave within 2–4 years. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram. The years between paying off your mortgage and retiring are the ones that decide what retirement looks like. Pay down the rental. Top up KiwiSaver. Go travelling. Spend it. Each one is a different decision, and most people make it by not making it. A written roadmap, not a conversation you try to remember afterwards. Book a 30 minute conversation and we will show you where you stand.

Active on Facebook, Instagram, Audience Network, Threads. Banks often pay new customers up to about 1% cashback to switch, and existing customers 0.25–0.4% to stay (RNZ, Mar 2026). If you haven't checked in a while, see what a new bank could pay you. Our calculator compares staying with switching, including costs. Offers vary by lender and change often. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram, Audience Network, Threads. Thinking of locking in before rates rise again? When interest rates go up, the cost of breaking a fixed rate often goes down. Our refix and refinance calculator weighs up refixing with your bank against switching, including any break fee and the cashback a new bank could pay you. It takes about a minute, and rough figures are fine. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram. Your mortgage finishes and the repayment is suddenly yours again. Most people never decide what it is for, so it quietly disappears into everyday spending. Between now and the day you stop working, $4,000 a fortnight for 15 years is $1,560,000. That is arithmetic, not a forecast. We put it in writing. Your goals and what they cost, a debt repayment strategy, investment portfolio advice, and property analysis, in one plan. Book a 30 minute conversation with a Lighthouse adviser.

Active on Facebook, Instagram, Audience Network, Threads. Most people stay put because they're worried about the break fee. But when rates rise, break fees often shrink, and a new bank's cashback can more than cover them. On a $500k+ mortgage the difference can run into thousands. Our calculator weighs up cashback, your rate and switching costs, so you see the real position, not just the headline. Then talk it through with a Lighthouse adviser. Example figures only. Cashback is usually repaid if you leave within 2–4 years. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram, Audience Network, Threads. Mortgage rates have been creeping up, and the Reserve Bank's latest forecast points to a rise in December (RBNZ Monetary Policy Statement, Sep 2026). If your fixed rate ends in the next few months, check your options now. Our calculator compares refixing with your bank against switching, including the cashback a new bank could pay you. Lending criteria, fees and T&Cs apply. General information only.

Active on Facebook, Instagram. Your mortgage is nearly gone. A lump sum has landed. Retirement has stopped being theoretical. Or your money is invested somewhere and you are not sure the advice is independent. Any one of those is the moment a plan is worth having, because the next decision is bigger than the last few. A written roadmap covering your goals and what they cost, a debt repayment strategy, investment portfolio advice, and property analysis including whether to buy, hold or sell.

Active on Facebook, Instagram, Audience Network, Threads. Banks pay cashback to win new home loans. Our calculator shows what a new bank could pay you, and whether switching or staying leaves you better off once costs are counted. It takes about a minute, and rough figures are fine. Cashback varies by lender and is usually repaid if you leave within 2–4 years. Lending criteria, fees and T&Cs apply.

Active on Facebook, Instagram. Boat, caravan or jet ski on the summer list? Tell us what you're buying and we'll compare lenders for you, new or used, and explain every cost. One chat with a real adviser. Subject to lending criteria.

Active on Facebook, Instagram. Summer plans on the list? Here's how it works with Lighthouse: tell us what you're planning, an adviser compares lenders for you, and every cost is explained before you choose. Subject to lending criteria.

Active on Facebook, Instagram. Before you sign any loan, know what it costs each week, how long you'll be paying, and the total. A Lighthouse adviser compares lenders for you and talks you through every cost, so you can decide with the full picture. We're a broker, not a lender. Subject to lending criteria.

Active on Facebook, Instagram. Upgrading the family car? One chat with a real adviser, lenders compared, every cost explained before you sign. We're a broker, not a lender. New or used. Subject to lending criteria.