Perfect Your Mortgage
Refinance and restructure for better rates and terms
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, there's a good chance you could be getting a better deal. Banks don't always offer their best rates to existing customers – but they do compete hard for new business.
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.
How We Can Help
Review your current mortgage and compare it to the best available rates
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
“Michael is amazing. We first met him a couple of years ago when we looked at refinancing. He went over and above all expectation to get us approved, which he did. But in the end we did not proceed at that time. We approached Michael again a month ago to refinance as we were not happy with our current bank. Once again, he was super efficient and very thorough and successfully got approval for us which we have completed. Thank you Michael for all your help. We highly recommend Michael and Mortgage Lab.”
Ruth Norrish
Michael Shrubsall“Roger was a pleasure to work with, & was extremely patient & supportive with us as we navigated the journey of choosing a new home. Roger's approach is professional but very relatable, & he certainly went the extra mile & further in supporting us to achieve a great outcome. We would not hesitate in recommending Roger to anyone looking for great service & sound advice.”
James & Tammy
Roger Fairbairn“Roger, we can’t thank you enough for your support and guidance while refinancing our mortgage. Everything was explained so we easily understood and you worked with us to help us make the best decision to suit our needs. We appreciate everything you have done for us”
Karlene Logan
Roger FairbairnReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.