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
“Nicola straight off the bat has been incredibly attentive and supportive. No question was too silly and she always had time to answer our questions. I really think she goes above and beyond and we will be referring her to all our friends!”
Michaela Adams
Nicola Winters“Somesh at The Mortgage Lab was absolutely amazing. He was incredibly helpful from start to finish, guiding us through every step of the process. Throughout the wait to hear back from the banks, he remained positive, reassuring, and supportive. Somesh is calm, professional, and an absolute pleasure to work with. No question or concern was ever too much trouble, and he was always happy to help, no matter the time of day. Thank you, Somesh, for your guidance, support, and dedication in helping us achieve our goal of owning our first home. We are so grateful for everything you’ve done for us and wish you nothing but continued success in the future. ⭐️⭐️⭐️⭐️⭐️ Highly recommend!”
Marissa Lealaogata
Somesh Awasthi“I cannot recommend Christiana enough. So knowledgeable, helpful, very quick to respond. Also the process was so easy. All your documents are uploaded via a website and all visible in the one place. Will 100% be using her next time to re-fix our mortgage. Christiana really goes above and beyond for you! Thank you so much Christiana 😊”
Naomi H
Christiana PollockReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.