Refinance and re-fix
When a fixed term rolls over, it is time for a proper look — not a polite rollover.
When a fixed term is coming up, it is the cheapest time to ask a blunt question: is this still the right loan?
Sometimes the answer is stay put and re-fix. Sometimes it is switch. The difference is not always the advertised rate. Break costs, cashback clawbacks, how the new lender treats your income, and the structure you end up in all matter.
We review what you have, what it would cost to move, and what you would actually keep. If staying is smarter, we will say so.
What we look at
- Rate, term, and when each portion of the loan rolls
- Break costs, and any cashback you would have to repay
- Whether a different structure would give you more flexibility — or a top-up for a renovation or the next purchase
- Lenders who will take the deal as it stands, not as a brochure version of you
Re-fixing is not a formality. It is a review. Bring the latest loan statement and we will tell you, in ordinary numbers, whether a move is worth the hassle.
Stay, re-fix, or switch
A sharper rate is only a win if you still have it after fees, clawbacks, and a new set of conditions. We run that comparison properly.
If your income has changed — self-employed, a new job, parental leave, a rental coming on — that can change which lenders will even look. Better to know before you hand in a notice.
Momentum Partners Limited FSP757091. Mo Olckers FSP753591 · 021 089 40336. Olga Zaruchevskaya FSP1010601 · 021 0223 6331. Nationwide New Zealand.