The end of a fixed term is the perfect time to reassess. Do you want to improve cashflow, reduce your term, lock in an affordable long term rate or free up some funds for something else? We’ll weigh up the options and help choose what’s right for you.

The end of a fixed term is the perfect time to reassess. Do you want to improve cashflow, reduce your term, lock in an affordable long-term rate, or free up some funds for something else? We’ll weigh up the options and help choose what’s right for you.

Different banks offer different deals when it comes to refixing. We’ll do a full home loan comparison and check if switching lenders or refixing with your current bank gives you the best result. Sometimes, the bank’s default offer isn’t the most competitive — especially with how fast mortgage rates in NZ can change.

If you’ve built up home loan equity, this could also be a chance to access extra funds for renovations, investing, or paying off other debt. We’ll show you what’s possible, and if it makes sense for your situation. Want to run the numbers? We can help with that too — or point you to our home loan calculator to give you a quick view.