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
“Roger is very good and understanding of us inexperienced non tech savory clients and was a great teacher as I filled in the forms required. I will be recommending his services and MortgageLab to friends and family.”
Malcolm Rowell
Roger Fairbairn“My husband found our lovely broker Lynne on our favourite First Home buyer page on facebook. We are glad to have met Lynne on this platform. She was very helpful from the very beginning. From getting to know us by completing online forms to our first meeting via videocall! She had lots of patience waiting on us to complete paperwork from submitting our home loan approval to the day before settlement day! Lynne guided us from day one always explaining things to us to understand and keeping us well informed. Thank you Lynne for always being there when we needed to call especially last minute and checking on us before we settled in!! We both cannot wait to hear from you again in the next couple of months.”
Meleseini Pekipaki
Lynne Dent“Thanks to your invaluable assistance, we're now happily settling into our new home! Your unwavering support was instrumental in making our dream a reality. After facing rejection from XXXbank, we were on the verge of giving up, but you stepped in, restoring our hope and guiding us through the process. Your dedication and expertise have made a world of difference for myself, Kay, and our two boys. We couldn't be more grateful. Thank you!”
Guth Wanawasa
Karen LatimerReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.