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

Susan is amazing-she helped us a lot with our mortgage. Her expertise is invaluable, and her communication is exceptional. I’m greatful to have her as my mortgage broker and would highly recommend her.

L Salvador

Susan WuSusan Wu

Johnny was really concise with his explanation, made the process easy to understand. He does not hesitate to answer any questions (how silly it may sound) at any time. He ensures I am comfortable with my knowledge to take the next steps. Would not hesitate to ask for his advice again for my next properties

Nicola was handed over our portfolio after the previous advisor, Karen Hyland left. We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ clarifying circumstances and looking at our statements/ savings and expenses, before providing us with options on banks to choose from. She was also able to advise on "when" it would be appropriate to trigger the loan instead of attempting to close a loan accommodation successfully. She also helped in understanding the way the loans were setup in different phases of the build. This was useful as we waited until we had put almost all our savings into this house before pulling the trigger on the loan. This helped up by trimming the principal and the interest rates thereof for which we are thankful. Naturally, this cannot be accomplished without clear , honest and transparent communication on both sides. Thank you for your time and effort Nicola. Laveena and Raj

Laveena D'Souza

Nicola WintersNicola Winters

Ready to Get Started?

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