Competition is heating up in the mortgage market, with offers of holidays and free phones.
Kiwibank is offering 4.59 percent for two years, with travel and accommodation for two to Rarotonga.
TSB is offering a deal involving a fixed rate of 4.49 percent for two years, with a Samsung Galaxy S6.
But mortgage brokers say consider nothing is for free and these might not be the best offers for everybody.
You might find you are funding the holiday or the phone through a higher interest rate.
Other banks we checked with said they would be offering competitive interest rates.
Watch the video for the full Talk Money segment.
