With interest rates falling and a large number of homeowners coming off fixed-rate mortgages, banks are ramping up their efforts to attract borrowers. Competition is heating up in the home loan space, with sharper rates, cashback deals, and all-in-one apps that promise convenience. And as part of those conversations, your KiwiSaver investment can also come up.

But here’s the truth: You don’t need to move your KiwiSaver account to get a home loan. And you shouldn’t feel pressured to.

Your KiwiSaver account doesn’t need to move with your mortgage

We’re hearing from some clients that, during mortgage conversations, their KiwiSaver account sometimes comes up, often with the suggestion that moving it to the same bank could make things simpler by having everything in one place. While that might sound appealing, it’s not necessarily in your best interest. Your KiwiSaver investment should reflect your future goals, not just what’s easiest right now.

Your Aurora KiwiSaver account is a long-term investment, and it doesn’t need to change just because your mortgage does. You’ve already made a thoughtful choice based on your goals, so there’s no pressure to move it for the sake of convenience.

Why stay with the Aurora KiwiSaver Scheme?

At Aurora, we do KiwiSaver differently. Here’s what sets us apart:

• Proudly Kiwi Owned – Locally owned and operated, with a nationwide network of advisers who understand what matters to New Zealanders.
• The multi-manager advantage – We work with a carefully chosen set of world-leading Investment Managers to provide global insights, diversification, specialist expertise, and a smoother investment journey.
• Future-focused investing – We select investment managers who share our commitment to climate awareness and sustainability. These managers back companies adapting to tomorrow’s challenges — from climate resilience to new technology.
• Trusted advice at every stage – With Aurora KiwiSaver Scheme, you’re never on your own. Your adviser can support you through every stage of life.

With the right support, you can make strong decisions for both your home loan and your long-term KiwiSaver goals.

Did you know we can help with both?

If you’re exploring mortgage options, whether it’s your first home or a refinance, you don’t have to navigate it alone.

You can contact Aurora or speak with your adviser to:

• Review your KiwiSaver account and check it’s aligned with your goals
  
• Understand your contribution settings and maximise government top-ups
  
• Get referred to an expert mortgage adviser who can:
  • Help you compare rates across multiple lenders
  • Secure competitive cashback offers
  • Structure your loan in a way that works best for you
  • Even negotiate a better deal with your existing lender
    
• Ensure your investment and lending decisions are working together for your financial future
  

We’re here to support your journey — with expert advice that connects the dots between smart investing and smart borrowing.

Let’s talk

If you’re planning to buy, refinance, or just curious about your options — we’re here to help.

Contact our team today and we’ll connect you with a trusted mortgage adviser, plus we can do a quick review of your Aurora KiwiSaver account at the same time.

Get in touch:

0800 242 023
hello@aurora.co.nz