Refix Your Mortgage
Review your options before your fixed term ends
In brief
Refixing means choosing what happens when a fixed mortgage term ends. Before accepting a new rate, you can review fixed, floating and split structures, compare the flexibility and costs, and consider whether staying with your current lender or refinancing through a participating lender better fits your plans.
Mortgage Lab helps New Zealand homeowners compare fixed-rate options and negotiate before a mortgage refix date.
When your fixed mortgage term is coming to an end, it's the perfect time to review your options. This is your opportunity to secure a better rate, restructure your loan, or switch to a lender that better suits your needs.
Your existing bank may have a suitable refix option, while another structure or lender may also be worth considering. Our advisers can explain available options and help you assess the rate, flexibility, fees and process.
We recommend starting the refix process 2-3 months before your fixed term ends. This gives us time to explore options and lock in a good rate before it expires.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
How We Can Help
Compare relevant rates and features from participating lenders
Discuss available pricing and options with your current bank
Explain suitable loan structures, including split rates, terms, and repayment types
No cost to use our service when refixing with your current bank
Handle all the paperwork and negotiations for you
Set up reminders so you never miss a refix date again
Explore if refinancing to a new lender makes sense
Frequently Asked Questions
Related Articles
Tips and insights to help you on your journey
Is It Worth Getting a Flatmate to Help Pay My Mortgage?
Who Pays for the Mortgage After a Separation?
Can Flatmate Income Help You Get a Mortgage in NZ?
What Is a Reverse Mortgage? How It Works for NZ Retirees
Prepare, Don't Panic – 3 Things to Do Right Now to Prepare for a Recession
Can I Get a Top-Up on My Mortgage?
What Our Clients Say
“Matthew Grace wasn’t just a mortgage broker…o no! Add “/Peace of Mind Merchant”. On the myriad of hurdles to jump not related to mortgage broking AND the stress, he was an absolute rock of knowledge, guidance and counsel in the storm that was our house buying experience! Empathetic, calm, professional and a champion bloke. Not a stretch for me to say, we probably wouldn’t be in this wonderful position today had it not been for this man. Thanks Matthew!!”
Alan Hooper
Matthew Grace“Me and my partner dealt with Roger who made the process of buying our first house smooth, super helpful and very informative 10/10 would recommend to any one looking to buy a house!”
Jonnie Riddell
Roger Fairbairn“Michael was fantastic to work with. He communicated well and kept us in the loop with progress. He achieved what we couldn't by ourselves and we have no hesitation in recommending him to others.”
Richard Knowles
Michael ShrubsallReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.