Perfect Your Mortgage
Refinance and restructure for better rates and terms
In brief
A mortgage review checks whether your existing rate, loan structure, features and lender still suit your goals. Mortgage Lab can assess staying with your current bank alongside refinancing options from participating lenders, then explain likely costs, savings, flexibility and the point at which switching may become worthwhile.
Mortgage Lab helps New Zealand homeowners review, refinance, restructure, or renegotiate an existing mortgage so the loan still fits their rates, goals, and cash flow.
If you already have a mortgage, it is worth checking whether the rate, structure and features still suit your circumstances. A review can include options from your existing bank as well as other participating lenders.
Our mortgage advisers can review your current loan and see if refinancing makes sense. We'll compare your rate against what's available, calculate any break fees, and determine if switching could save you money.
Even if you stay with your current bank, we can often negotiate better rates and help you restructure your loan to pay it off faster or reduce your repayments.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
How We Can Help
Review your current mortgage against relevant available options
Calculate if refinancing will save you money (including any break fees)
Negotiate with your current bank for better rates on your behalf
Restructure your loan to suit your goals – pay off faster or lower repayments
Access equity in your home for renovations or investments
Consolidate multiple debts into your mortgage for lower overall payments
Set up an offset account or revolving credit to reduce interest
Frequently Asked Questions
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What Our Clients Say
“Nicola was absolutely amazing to deal with, as first home buyers - we had no idea what we were doing and Nicola walked us through every step. She was so onto everything, and amazing communication, we were never left wondering what was happening. Our first home buying journey was such a success due to Nicola’s hardwork. We could not recommend her enough.”
Stevie Farley
Nicola Winters“I had a great experience working with Mr. Johnny throughout my first home buying journey. His communication was excellent from start to finish — always clear, prompt, and easy to understand, which made a big difference during what can be quite a stressful process. His knowledge, especially around first home buyers and mortgage options, was very impressive. He took the time to explain everything in detail and made sure I understood all the steps, which gave me a lot of confidence in my decisions. I do also appreciate his availability. Whenever I had questions or needed clarification, He always reachable, even outside of typical working hours. Thank you very much Mortgage Lab, Johnny Ang and Peach Gerida !”
Anonymous
Johnny Ang“I was lucky enough to have Lynne Dent as my MA. She was incredible throughout the process. I thought getting a mortgage was impossible, Lynne made it happen. From the very start, she was confident, straight to the point, and completely transparent, which made me feel at ease. She took the time to answer all of my questions, no matter how silly they may have been. Lynne's kindness and patience truly made a stressful process much easier. I highly recommend her to anyone in need of a knowledgeable and supportive mortgage adviser! Lynne is a miracle worker.”
Rosie Pentecost
Lynne DentReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.