Just a word of warning Stacey, we switched to Kiwibank in Palmy when we moved into this place (National wouldn't match their rate) because the rate was so much lower. It some ways it has been great, because we save heaps on interest, BUT once you've actually signed up, Kiwibank have appalling customer service and everything is just so HARD compared to what it was with national. Just a million little things that they seem to be sooo hopeless at. And make sure that you get the 'extras' they promise you in writing before you sign up.
Basically, you get what you pay for! Certainly when our term expires we will do our best to get another bank to come close to their rate just so we can ditch them and avoid the hassle!
We will keep all our other banking with BNZ as we love what they can do for us there. It's just that what I worked out this avo with BNZ we would be looking at approx $100 increase in fortnightly payments. With kiwibank its $50 which is easier to find on a tight budget!
Accom Supplement is done through WINZ and all you have to provide is income, rates, mortgage, insurance and something else which I can't remember. I wouldn't worry about the bonus and just give them a couple of DH's payslips to show them the income.
As for banks I have heard that Kiwibank in Palmy is really bad for customer service. Hopefully BNZ will come to the party here as I think they are wonderful.
I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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Mortgage Interest Rates/Accom Supplement
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