If it is coming up time to refix your mortgage interest rate – I can help.
When your fixed mortgage rate is coming up for renewal, it’s one of the most important decision points in your home loan journey. Yet many homeowners simply refix at the rate their bank offers — without checking whether it’s competitive or still right for them.
Refixing is the ideal time to review your home loan structure, interest rate, and risk exposure to ensure your mortgage continues to support your lifestyle and future plans.
We offer a Fixed-Rate Review Service for New Zealand homeowners, giving you clarity and confidence before you refix.
Understand your mortgage options before you refix
Our no-obligation mortgage rate review helps you clearly understand your options before locking in a new fixed rate.
We review:
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Your current mortgage interest rate and upcoming refix offer
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Fixed vs floating loan splits
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Loan term, repayments, and cash-flow impact
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Your personal circumstances and financial goals
This ensures you refix with a strategy — not uncertainty.
More Than Just the Lowest Interest Rate
Align your mortgage with your future goals
While interest rates matter, the right mortgage structure matters just as much.
We take a broader view of your lending to assess whether:
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Your home loan still suits your income and lifestyle
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You’re balancing certainty and flexibility effectively
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Your mortgage strategy supports future plans such as renovations, investing, or paying off your loan faster
Smart refixing decisions now can make a meaningful long-term difference.
Mortgage Rate Negotiation
We negotiate with your bank on your behalf
Banks don’t always offer their sharpest mortgage rates upfront.
As part of our service, we can negotiate your home loan interest rate directly with your bank, ensuring you’re being offered a fair and competitive deal based on current NZ mortgage rates.
If better options are available, we’ll explain them clearly. If your current loan is already well-positioned, we’ll confirm that too.
Our goal is simple: help you refix knowing you’ve explored your options.
How Much Does the Mortgage Rate Refix Service Cost Me?
Nothing — our service is free to you
It doesn’t cost you anything for us to negotiate and refix your mortgage.
Our service is paid for by the banks, not by you. There is no additional cost or fees from the bank added to your loan.
You receive expert guidance, clear advice, and professional negotiation — without paying out of pocket.
How does the Mortgage Rate Review Service Work?
Step 1 - You Get In Touch
You fill out the form at the link below to get some help with your mortgage needs
Step 2 - Meeting with Helen
You’ll meet with Helen – your dedicated Mortgage Adviser and have a chat to understand your situation, goals and what is important to you.
Meetings are usually online – some early evening appointments are available.
Step 3 - We Engage With The Bank On Your Behalf
We will engage with the bank on your behalf and begin negotiating for you.
We will ask about –
- Interst rate discounts
- Break fees
- Retention payments
Step 4 - We Provide Advice To You
We take your situation, goals and preferances in to account with the information you provided and the responses from the bank, and present a plan to you.
Usually an email, with a meeting if required.
Step 5 - Your Acceptance Of The Plan, We Implement the Plan
On you acceptance of the plan, we will put the plan in place for you.
Step 6 - Annual Review And Check In
At least annually, we will check in with you, and how you are going with your mortgage.
If anything changes in your world before the year – you are welcome to contact us. We are here to walk alongside you at any point.
Ready to take on the Rate Review Service?
Fill in some details, and I’ll be in touch with your next steps