Refinancing Mortgage NZ

Reviewing the mortgage

It’s a good idea to check things like your level of repayments and interest rate from time to time. It pays to do it every year or two, or when:
  • A fixed-rate loan is about to expire
  • The interest rate on a floating rate mortgage changes
  • There’s a big life change on the horizon, such as starting a new job, starting a family etc
  • You get a big lump sum such as an inheritance
It helps to take a moment and ask – are these mortgage payments still as big as I can comfortably afford? Check the budget to see if there’s spare money to put toward extra repayments.
Even boosting repayments by the equivalent of $25 a week may save thousands of dollars in interest, which means you could be mortgage-free months or even years earlier! Let me review your mortgage and personal situation to see if we can help you pay the mortgage off faster.



I help Kiwi’s get mortgages for their new homes. I also help Kiwi’s refinance when their existing mortgage is no longer the right fit for their lifestyle or no longer competitive compared with other lenders.

In today’s market place, there is no reason why you should not have a competitive interest rate. 

Whether you are ready to shorten your mortgage term, maybe you want to reduce your monthly repayments, or perhaps you need to borrow against the equity, I can help you find the right refinancing package.

Typically, you should have had your mortgage in place for at least a year before you refinance, but this isn’t a set rule.

I will walk you through an assessment to ensure that refinancing is the right decision financially for you.

From there we will put together the documents for your existing or new lender to apply for a refinancing package.

Here are a few real examples of mortgage refinancing and interest rate negotiation’s I have completed for my clients.

  • Guy from Birkenhead refixed $199,060. The bank had advertised a rate and we negotiated a better rate 0.8% better which will save Guy $3,185 in interest over 2 years
  • Ray from Pt Chevalier refixed $512,122. The bank offered a rate and we negotiated a better rate by 0.54% which will save Ray $5,530 in interest over 2 years.
  • Mark from Remuera refixed $112,465. The bank had advertised  a rate and we managed to negotiated a better rate by 0.5% s which will save Mark $1,125 in interest over 2 years
  • Simon from West Harbour refixed $382,000. The bank offered a rate and we found a better rate by 0.64% which will save Simon $4,444 in interest over 2 years
 Refinance Required: Please contact me