AUCKLAND, Today: Kiwis have often chased low fixed rates, but there’s a smarter path. By moving beyond set and forget, homeowners can cut interest, get ahead faster, and escape debt sooner.
BNZ’s TotalMoney home loan is built for that. It lets customers use savings and even family accounts to offset interest. “It’s designed to let customers hack their interest rate and take control,” says Amy Phillips, BNZ General Manager Marketing & Design.
“It’s smart, flexible, and easy to use. It gives people more control of their home loan which can make a big difference in the current economic environment,” Phillips adds.
“The challenge was clear. We needed to show how even small pots of money, when connected, add up to something powerful.” – Hadleigh Sinclair
“The challenge was clear,” says Hadleigh Sinclair, Group Creative Director at Colenso BBDO. “We needed to show how even small pots of money, when connected, add up to something powerful.”
“Realising so many customers were already doing this and effectively paying 0% interest on a portion of their home loan as a result was a mic-drop moment. It was a secret worth sharing.”
The campaign dramatises this through a striking device: threads linking accounts for bills, budgets, a pet fund, even a parent’s retirement savings, all pulling back to the home loan.
The metaphor lands on one clear message: bring down your effective home loan interest rate. The integrated campaign launched 24 August across TV, OOH, social, digital, owned and internal channels.
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