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
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What Our Clients Say
“We approached Dustin after watching a webinar he arranged. At the start he arranged a meet and greet to get to know us better and clearly explained the process. He made us feel comfortable and safe and answered any questions we had, not only at the beginning but right throughout the process. If you think you have no chance or are too shy, don't be. Dustin is non judgemental, respectful and a genuine nice guy who wants the best for you. Thanks to his hard work and dedication we are now proud new home owners! Highly recommended!!!”
Phil and Jay Diaz
Dustin Lindale“If possible, I would love to give Cindy a six stars rating, she works professionally, customized and tailored an affordable loan for me, she even sacrificed her weekend leisure time to help with the questions which I came in my mind. I believe she is a trustworthy, efficient person with right work attitude. Thank you very much indeed, Cindy :)”
Alan Weng
Cindy Huang“What an experience for us! We were so fortunate and blessed to work with Stephane who walked with us every step of the way in this journey of purchasing our first home. We have had many mortgage brokers over the years and none have ever worked for us the way Stephane did. We truly appreciated his advice, experience and skills he bought in helping us! What a Godsend! If you want someone who knows what they’re doing and will walk with you every step of the way, Stephane is your guy! Our family appreciate you!”
Amelia Antonio
Stephane SkowronskiReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.