Refix Your Mortgage
Lock in the best rates when your fixed term ends
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.
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
Related Articles
Tips and insights to help you on your journey
Mortgage Refinance Costs and Cashback in NZ: How to Work Out the Real Deal in 2026
Buying a Better Home in a Hot Property Market
The Real Cost of Credit Cards on Your Mortgage Capacity
Mortgage Refinance Documents Checklist NZ: What To Prepare Before You Apply
Getting a Divorce and a Mortgage – What You Need to Know
Using Home Equity in Retirement: Options for NZ Homeowners
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 Dent“Genuinely loved working with Karen. She is extremely friendly, efficient and so helpful. The process couldn't have been easier. Would definitely recommend Karen to all first home buyers.”
Isabel Connor
Karen Latimer“I had an excellent experience working with Nicola Winters as my mortgage advisor. From our first conversation, they were professional, knowledgeable, and incredibly supportive throughout the entire process. They took the time to explain everything clearly, answered all my questions (no matter how small), and were always easy to reach by phone or email. I really appreciated how they kept me informed at every step and made what could have been a stressful process feel smooth and manageable. Nicola also helped me navigate a few unexpected hurdles along the way with calmness and confidence. Their advice was always tailored to my situation, and I felt they genuinely had my best interests at heart. Thanks to their support, I was able to secure a great mortgage deal that fit my needs perfectly. I’m so grateful as a first home buyer and striking it lucky with an excellent mortgage advisor. If you are looking for someone who is not just professional and efficient, but genuinely kind and understanding - then Nicola is the one. Overall, I felt well taken care of and would not hesitate to recommend Nicola Winters to anyone looking for a mortgage advisor who is reliable, responsive, and truly excellent at what they do.”
Candace
Nicola WintersReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.