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
“I had a fantastic experience working with Christiana as my mortgage broker. From start to finish, she was incredibly responsive, always quick to answer questions and explain everything clearly. Her knowledge and expertise gave me so much confidence throughout the process. What really stood out to me was how personable and friendly she is. Christiana made what can often be a stressful process feel smooth and manageable. I always felt like I was in great hands, and she went above and beyond to make sure I understood every step. I highly recommend Christiana to anyone looking for a mortgage broker who is not only informed and professional but also a genuine pleasure to work with.”
Rosie J
Christiana Pollock“Christiana has been great helping us negotiate mortgage decisions over a few years now. That includes refinancing with an existing bank, juggling repayment and interest-only loans, and switching to a new bank. She's always been really friendly and professional, and has taken on so much effort we used to do ourselves. Would highly recommend her to others.”
Paul Smith
Christiana Pollock“Lynne helped us get approval for our first investment property, throughout the whole process we found Lynne more than happy to answer any questions we had and find a lender that suited our needs. We highly recommend Lynne to anyone for their lending needs. Aaron and Jodie”
Aaron Lough
Lynne DentReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.