Refinance, refix or restructure with a clearer plan.
Every refix decision should reflect unique circumstances and goals.
We help clients throughout New Zealand and abroad sense‑check proposed refinancing, refix or restructure decisions. We fully disclose the ins and outs of each option, align our advice with stated goals, and recommend simple solutions.
Understand your options
Refix with your current bank
Review your fixed-rate options before your current term ends. We provide refix advisory with existing bank including retention packages encouraging competition.
Refinance to another lender
Compare another lender with your current bank. We assess the overall benefit, including costs and eligibility, rather than the advertised rate alone.
Restructure your lending
Explore loan splits, repayment levels and suitable flexibility. Your structure should support how you manage money and what you want to achieve.
Make the numbers work for you
We compare repayments, loan terms, interest-rate options and flexibility against your plans. Staying with your current bank may be the right outcome; changing lenders is only one option.
Before refinancing, we weigh potential savings and cash contributions against break costs, legal and valuation fees, and any cashback repayment. A longer loan term may reduce repayments while increasing total interest.
1. Understand your goals
Tell us about your existing lending, income and plans. We identify what matters to you, from repayment comfort to becoming mortgage-free sooner.
2. Compare suitable options
We explain the practical trade-offs and costs, then help you assess suitable options. Rates, lending criteria and any incentives depend on the lender and your circumstances.
3. Put your plan into action
We help coordinate the agreed next steps and stay in touch for future reviews as your fixed terms, circumstances and goals change.
Start with a conversation
Whether your fixed rate is ending, you are considering a move or your circumstances have changed, we can help you work through your New Zealand mortgage options.
Book a free 15-minute conversation with our team. We will discuss what you want to achieve and explain the next steps.