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Refinancing or refixing can sound complicated, but it doesn't have to. Refixing means locking in a new rate with your current bank, while refinancing is moving to another lender if it gives you a better deal.
The right choice can make a big difference to your finances, and getting advice first ensures you know which option really works best for you.
Even if you've been managing your mortgage for years, it helps to have the right support. We'll review your options in plain English so you know exactly what's on the table.
WHAT YOU CAN DO WHEN YOU REFINANCE OR REFIX
Interest rates and life situations change, and reviewing your mortgage could save you money or reduce stress. Refinancing or refixing isn’t about making things complicated. It’s about making your mortgage work better for you and your family. Here’s what that could look like.
Pay less in interest and keep more money in your pocket.
Roll everything into one repayment that’s simple to manage.
Fix your rate so you know exactly what’s coming, without surprises.
Here's how we'll work together to find a better fit for your mortgage.
Refinancing or refixing isn't about making things complicated. It's about making your mortgage work better for you. Here's what that looks like.
We’ll start with a simple chat to look at your current loan and what you’re trying to achieve. No forms, no pressure, just a quick check to see where you’re at.
We’ll review the details, compare lenders, or talk with your bank, then come back with clear recommendations that suit your situation.
Confident Next Steps
You’ll know exactly what the options mean for you and your family, and together we’ll set up the structure that saves you money and reduces stress.
Our goal is to make refinancing simple and stress free. We keep things clear, friendly, and built around what matters most to you.
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Here's what happens when mortgages feel less like a battle and more like a conversation. No jargon, no hand-offs, just someone who takes the time to understand your situation.
Most people find us through someone they trust, and that says everything. From first home buyers feeling completely out of their depth to families refinancing without the headache, we've helped hundreds of Kiwis navigate mortgages without the corporate nonsense. But don't just take our word for it. Hear how real clients felt about working with someone who actually gets it.
Yes, you can refinance your mortgage to potentially lower your interest rate or change the terms of your loan. It's important to evaluate the costs associated with refinancing and determine if it aligns with your financial goals.
Requirements for getting a mortgage typically include a stable income, a good credit score, a down payment, and proof of employment. Lenders may also consider your debt-to-income ratio and other financial factors.
Using a mortgage advisor can provide you with expert guidance throughout the mortgage process. They can help you find the best mortgage deals, assist with paperwork, and offer personalized advice based on your financial situation.
The time it takes to get mortgage approval can vary, but generally, it takes between a few days to several weeks. Factors influencing this include the lender's processing speed, the completeness of your application, and any additional documentation required.
To apply for a mortgage, you typically need to gather necessary documents such as proof of income, credit history, and identification. You can then approach a mortgage advisor or lender to discuss your options and fill out an application form.