REFINANCING GUIDE
The Mortgage Refinancing Guide NZ
Most Kiwis set up their mortgage once and never look at it again. Rates move. Your income moves. Your loan stays where it was. Refinancing done right can save tens of thousands. Not doing it quietly costs the same.
Advice at no cost to you
Auckland, Wellington, Christchurch
What is Inside
01
When refinancing makes sense
02
When it does not
03
What you can actually gain
04
The refinance process
05
Refixing vs refinancing
06
The 90 day rule
07
Quick refinance check
Six Signs it is Time to Review Your Mortgage
Miss it and you roll onto floating.
Plan it and the whole market competes for you. The guide gives you the 90 day countdown.
When We Tell You Not to Refinance
A good adviser says no more often than you would think.
The guide covers the four situations where moving costs you money, so you can rule yourself out in two minutes.
Banks Pay to Win Your Home Loan
Cash contributions, sharper rates and better structure are all on the table when your term rolls. Most people take the first rate their bank emails them. The guide shows what to ask for instead.
Six Signs it is Time to Review Your Mortgage
A fixed term ending is one.
The other five are in the guide, and most homeowners are sitting on at least two of them without knowing.
Get the Full Refinancing Guide Sent to You
Refix vs refinance table, the five step process, and a seven question check. In your inbox in a minute.
Why Clients Choose Us
Putting people first, every step of the way
I want to thank Andrew Liu for all his help — honestly can’t recommend him enough. Super professional and really knows his stuff — you can tell right away he’s not just winging it. He takes the time to actually explain things instead of just throwing numbers at you. If you’re looking for someone reliable to help with your finances, Andrew’s your guy.
Andre B
Orion Chau was great to work with, very informative and found a more affordable insurance provider. It was a pleasure to work with Orion and Lily.
Melissa P
I was frustrated with our previous broker and reached out to Connor. Not only did he find us a better policy, he was great to deal with especially considering he had to work around our busy schedule. Thanks again.
Russell E
I highly recommend Richard Moore for his exceptional professionalism, deep knowledge, and absolute honesty. I reached out to him to review my income protection insurance and explore other financial options.Instead of just trying to sell me a new policy, Richard conducted a meticulous, detailed comparison between my current provider and the market alternatives. He concluded that my existing coverage was already excellent and honestly advised me to stick with it.Finding an adviser who prioritizes the client's best interests over making a sale is rare. Richard has earned my complete trust, and I will absolutely look to him for all my future insurance and financial planning needs.
Sau Lee C
5/5 Stars ~ Working with Paige (Financial Advisor) at Invicta Financial has been such a great experience. Right from the start, she was incredibly nice and so easy to talk to. She really went above and beyond to make sure I was looked after, and I genuinely appreciate everything she’s done for me. If you’re looking for someone who actually cares, definitely reach out to her!
Kayla S
Tom has been a dream to deal with! Very easy to communicate with.
Debra S
Dealt with Caleb to sort my KiwiSaver, he was very professional, helpful and warm. He helped me switch from my standard bank over to an externally managed fund, and I have seen positive growth in my KiwiSaver. A very knowledgeable advisor.
Tayla W
Refinancing Questions, Answered
ot without checking. That rate is a starting point. We negotiate it or take you to a lender who will beat it.
Two to four weeks from approval to settlement. Most clients spend under two hours on the whole process.
A cost your bank charges if you exit a fixed rate early and wholesale rates have fallen since you fixed. It can be zero or it can be thousands. We calculate it before recommending a move.
Yes. Most banks offer a cash contribution to win your mortgage. It is usually enough to cover legal costs with money left over. Clawback applies if you leave within three to four years.
Refixing is taking a new fixed rate with your current bank. Refinancing is moving your loan to a new lender. Refinancing involves more paperwork but that is where cash contributions and real rate competition live.
More Free Guides
Find Out What Your Mortgage Should Look Like
Send us your loan details. We come back with what the market would offer. If staying put is right, we tell you.