Home loans
Refinance your home loan through dosh.
- Thinking about switching your home loan? dosh can make refinancing straightforward and rewarding. Our home loan advisers will guide you through every step of the process.
**Dosh home loan reward offer has a minimum loan size of $300,000, minimum 1 year fixed, you must keep your home loan for 24 months from settlement, and eligibility criteria and T&Cs apply. The Phone Dollars reward is provided exclusively by One NZ. Use Phone Dollars towards interest-free phones, with Pay Monthly plan & min $99 deposit. Max balance of $4,999 Phone Dollars. Eligibility criteria & terms apply, see one.nz/one-wallet
Expert advice
Review your options with expert advice
Our home loan advisers will find the right mortgage option for you. We look across competitive interest rates, loan structure, repayment options and a great cashback offer.
It's free to you — we're paid by the bank. There's no cost to use our switching check, book a chat or get a switching assessment. Dosh receives commission from lenders if your loan is settled. The amount can vary depending on the lender and loan size. Our advisers are required to act in your best interests when providing advice.
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Why switch
Why New Zealand homeowners switch home loan providers
Is your fixed rate coming up for renewal? The best window to start the refinance process is 2–3 months before your rate expires.
Whether refinancing results in a financial benefit depends on your individual circumstances, including interest rates, fees, and loan structure.
Switching check (UP TO THIS SECTION, FRISK)
See if switching is right for you
Answer 3 quick questions to get an instant indication of whether you could be ready to switch and any costs to consider. No personal details required. Applies to an owner occupied residential property.
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With dosh, you get more rewards on your home loan
Dosh has partnered with One NZ to bring you Phone Dollars. And when you settle a home loan through dosh (whether that's buying a home or refinancing), you'll get $1,700 Phone Dollars. Eligibility criteria and T&Cs apply.
That's in addition to a great interest rate and any cashback on your loan.
$1,700 Phone Dollars = $1,700 to put towards your next interest-free phone with One NZ.
Want to find out more? Book a free chat with a mortgage adviser or go ahead and apply online now.
Get a great mortgage interest rate
Check out the latest advertised interest rates available here, or just let us do the work of finding you a great deal. We can often negotiate better home loan rates for you than those advertised. Speak to an adviser today.
Use our handy repayments calculator below to see how much you could be saving with dosh's help.
Jason really helped me out getting my refinance sorted. He made the whole process easy to understand and worked hard to secure me a great deal on my interest rate.
What could your repayments be?
Get an indicative picture of your repayments. Our advisers will fine-tune this with real lender rates.
Customer stories
What our customers have received
- $350k home loan and cashback
- A new iPhone 17 funded by $1,700 Phone Dollars from One NZ
- $600k home loan and cashback
- A new Samsung Galaxy S25 funded by $1,700 Phone Dollars from One NZ
- $500k home loan and cashback
- A new OPPO Find X9 Pro funded by $1,700 Phone Dollars from One NZ
How it works with dosh
We keep our process simple and your adviser will be with you every step of the way.
Apply online or book a chat with one of our mortgage advisers.
We’ll review your goals and circumstances, then recommend a home loan structure that suits you.
We’ll help you secure a loan offer, aiming for a competitive rate, lender cashback and One NZ Phone Dollars (if eligible).
If you accept a lender’s offer, we’ll support you through to settlement with the lender.
If eligible, you’ll receive $1,700 Phone Dollars from One NZ after settlement (One NZ terms apply).
My wife and I would like to convey our gratitude to the team at Dosh, they made the process simple and seamless, they kept us apprised every step of the way. I dislike dealing face to face with banks as it can be an arduous and often demoralising experience. Dosh made it simple, keep up the great work guys. Thanks again.
How can we help?
Buying a property
Apply for a home loan through dosh to buy a property or get a pre-approval.
Refinancing
Apply to switch your current home loan over through dosh.
Access guides and information
Discover home loan guides and information to help you along the way.
Repayments calculator
Check what your estimated repayments could be with a home loan through dosh.
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