Refix Your Mortgage

Lock in the best rates when your fixed term ends

Refix Your Mortgage

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

We recommend reaching out 2-3 months before your fixed term ends. This gives us time to explore options, and many lenders let you lock in a rate up to 60-90 days in advance. Don't leave it until the last minute!
If you don't take action, most banks will roll your loan onto their floating rate, which is usually higher than fixed rates. Some may offer a fixed rate, but it's rarely their best rate. We can usually do better.
It depends on your view of interest rates and your personal circumstances. Shorter terms give you flexibility but mean more frequent refixing. Longer terms offer certainty but less flexibility. Many people split across multiple terms.
Absolutely! This is a popular strategy that spreads your risk. For example, you might fix half for 1 year and half for 2 years. This means you're never fully exposed to rate changes at any one time.
If you stay with your current lender, there's typically no cost to you for our service. We're paid by the lender. If you decide to switch banks, there may be legal fees involved, but we'll explain all costs upfront.

What Our Clients Say

Lynne was very helpful in getting our refinancing across the line with the minimum of pain for us. She was able to guide us through the entire process without any confusion at all. we are very happy with both her service, and the result :)

Mike Norrish

Lynne DentLynne Dent

Nicola was very helpful, and nice to us throughout the entire process. All of the meeting worked perfectly with our schedules. Nicola provided plenty of advise for us on almost any questions we threw at her and made buying our first home alot better than we had anticipated. I have already recommended Nicola to a friend looking to buy and she will continue to be my top recommendation for mortgages and kiwi savers.

Finn McCormack

Nicola WintersNicola Winters

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.

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.