Refix Your Mortgage
Lock in the best rates when your fixed term ends
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
“Cindy is such a brilliant broker who is referred by my best friend. In the first face to face meeting with Cindy, I told her about my financial situation and what kind of house I want to buy, Cindy made a full analysis and provided me some suggestions. I was so impressed with the way Cindy handled the meeting. I liked the way that Cindy presented all the relevant facts to me. Her analytical skills have been invaluable in making my project a success. When I asked questions or needed any kind of help, Cindy was very happy to offer assistance. She never said no to taking additional responsibilities and I liked that about her. Her problem-solving skills were so incredible. Thank you for taking out her precious time in solving my problems and explaining everything in details to me. I admired the way she solved problems encountered. Cindy worked so hard on my project. I enjoyed working with her because of the unique skill set and perspective she brought to the project. Thank you for her efforts and smiling face. Her positive attitude was contagious. I was so grateful that Cindy not only helped me achieve what I want, but I also learned a lot from Cindy. Really appreciated!”
Wenjin LIN
Cindy Huang“Thank you so much Ate Jocie for your guidance and support throughout the mortgage process. Your expertise, patience, and clear communication made everything so much easier to understand and manage. I truly appreciate all the time and effort you put into helping me secure our new home. I couldn’t have done it without you—thank you again for everything you have done. I will forever grateful ❤️”
Avie Gallardo
Jocelynnda Coronado“Laura was always available to discuss all questions I had. She made the information easy to understand. She connected us to the supporting agencies we needed to get our mortgage finalized and secured.”
Maylene Erihe
Laura CatesReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.