Still Paying Your Old Rate?
It's Time to Refinance.

The best time to refinance is when your current fixed-rate term is approaching its end, or when market rates have dropped significantly below what you're currently paying. Other good reasons include needing to access equity, wanting to consolidate debt, or when your current lender simply isn't offering competitive rates anymore. We recommend a free home loan review at least once a year — you may be surprised what's available.

There can be costs involved — including lender break fees (if you're still in a fixed term), solicitor fees, valuation fees, and discharge fees from your current lender. However, these are often covered by the new lender's cashback or special offers. We calculate all costs upfront and compare them against your potential savings — so you know exactly whether it's worth it before you proceed.

Absolutely. Non-bank lenders (also called second-tier lenders) are a great option for borrowers who don't fit the standard bank criteria — including self-employed applicants, those with past credit issues, or anyone needing a more flexible loan structure. They're often more nimble and can offer competitive rates. We work with both banks and non-banks and recommend whichever best fits your situation.

A typical refinance takes 2–4 weeks from application to settlement. If your documents are ready and your property is straightforward, pre-approval can be issued within a few days. We manage the entire process — including liaising with your current lender, the new lender, your solicitor, and the valuation company — so it's as smooth and fast as possible.

Yes — this is one of the most common reasons Kiwis refinance. By consolidating higher-interest debts (credit cards, personal loans, hire purchase) into your mortgage at a much lower rate, you can significantly reduce your monthly repayments and simplify your finances. We'll show you the numbers clearly so you can see exactly how much you'd save.

Typically you'll need: your latest mortgage statement, 3 months of bank statements, 2 recent payslips (or 2 years of financial statements if self-employed), a copy of your ID, and details of any current debts. We'll send you a personalised checklist after your initial chat — and we can help gather everything from there.

Applying for a new loan involves a credit check, which can cause a small, temporary dip in your score. However, securing a lower rate and making consistent on-time payments will generally improve your credit profile over time. We minimise unnecessary credit enquiries by only applying once we're confident of approval.

Yes. Self-employed borrowers may need to provide additional documentation — such as financial statements or tax returns — but many lenders we work with are experienced in assessing self-employed applications. Non-bank lenders are often especially flexible for self-employed borrowers with strong income histories.

The amount you can borrow depends on your income, expenses, the current value of your property, and your equity position. Most lenders allow you to borrow up to 80% LVR without paying LMI (Low Equity Margin). If your home has increased in value, you may be able to access that equity for renovations, investment, or other goals.

Not at all. In fact, switching lenders is often where the biggest savings come from. Your current bank may offer a retention deal to keep you, but we compare offers across multiple lenders to make sure you're getting the best rate, cashback, and terms available anywhere in the market.