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
“Christiana is the first broker I've used who genuinely seemed to care about my situation and proactively suggested new loan structures to help me achieve my goals. She alleviated so much stress during what was already a stressful time. I'm incredibly grateful for her support and would highly recommend her!”
Lauren Scott-Smith
Christiana Pollock“As a first home buyer, as well as being on my own, having Dustin as my mortgage advisor was an absolute pleasure and I would highly recommend him for anyone looking for advise on home ownership and loans. From the start to the end, Dustin was always organised and kept me up to date every step of the process. Even at the end when we had a bit of a close call with finances, he was right on top of things and helped me ask for additional funds from the bank quickly and with not a lot of stress (for me!) I am highly satisfied and very grateful to have had Dustin as my mortgage advisor. I will definitely recommend him to anyone if I know they need assistance. He has actually helped my whole family with different types of home loans, with my brother also needing a loan for a new house build in Northland (mine was a new apartment in Auckland). And he will still be helping us by following up on how we are going, couldn’t get better than this!”
Charlotte Hughes
Dustin Lindale“Josie is very professional and far exceeded our expectations as a mortgage broker, and we're so glad we chose her to secure our first home loan. Josie was extremely supportive and helpful throughout the process, and always responded to us in a timely manner. She even gets back to us even though she is on vacation. It's a challenging task to settle for full approval in 10 days, but she made it easy and stress-free for us. Josie Coronado has my highest recommendation. Living in our home is finally bringing us joy.”
Resty M
Josie CoronadoReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.