Refix Your Mortgage
Lock in the best rates when your fixed term ends
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.
Many people simply accept what their bank offers, but there's often a better deal available. Our advisers can compare your options across 27+ lenders and negotiate on your behalf to get you the best possible rate.
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.
How We Can Help
Compare rates from 27+ lenders to find the best deal
Negotiate with your current bank to match or beat competitor rates
Advise on the best loan structure – 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
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What Our Clients Say
“Johnny is not only an exceptional advisor but also an incredible human being. He made the entire journey of buying a home for my wife and me so much smoother and less stressful. Johnny went above and beyond at every stage of the process, showing genuine care and dedication. We're truly grateful for his support and guidance. Wishing him all the best—you're a legend, Johnny!”
Nischal Budhathoki
Johnny Angkiriwang“Michael Shrubsall made the experience of buying my first home easy and positive! He has a real can-do attitude/approach and was able to look at my entire financial situation to not only help me buy my first home but set me up to be in the best financial position moving forward. I felt really well-informed through the whole process and Michael was always happy to answer all of my questions. I highly recommend Michael. Thank you again!”
Cleo Fitzgerald
Michael Shrubsall“Dustin was great to deal with and very quick with responses as best he could.”
Gagandeep Singh
Dustin LindaleReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.