For example, if you change banks after 2 years or repay your loan to the BNZ, you would get back 50% of the money that was initially offered to you, while the other banks would recover the remaining 100% until the end of the agreed period. Each has its pros and cons that should be considered when discussing the right option for you with your mortgage advisor. “It`s very likely that banks will start looking at where they can cut costs,” one consultant told TMM Online. “I imagine that the adjustments of the brokerage commissions would not be very far away, because they changed the commissions during the days of the GFC.” But if it`s a reduction in interest, it`s income. Or if it`s in cash, it`s also income. .