Refixing & Restructuring
Don't let your mortgage roll over blindly
When your fixed rate ends, you need a strategy. We'll review rates, help you decide between fixed and floating, and make sure you're set up for what comes next.
Schedule a rate reviewWhat we'll help with
Refixing isn't just about picking a new rate. It's about setting your mortgage up so it works for your life.
Rate strategy
Fixed or floating? For how long? We look at your situation, the current market, and where rates might be heading. We'll help you think through the pros and cons so the choice is yours.
Mix it up—split loans
You don't have to choose just one. Some clients split their mortgage 50/50 fixed and floating, or maybe 70/30. We'll show you how different splits would work for your situation.
Right term length
1 year, 2 years, 5 years? Different terms suit different situations. We'll talk through your timeline and what gives you the best balance of rate and flexibility.
Proactive service
We'll reach out about 3 months before your rate expires so you have time to think and decide, not rush into a roll-over. No surprises, no missed opportunities.
How we handle refixing
Rate review
We'll pull your current rate, look at what's available now across the market, and talk about where interest rates might go. This gives us a foundation for the strategy chat.
Strategy session
We'll chat about your priorities—whether you want rate certainty, flexibility, or something in between. We'll show you how different splits, terms, and lenders could work. This usually takes one conversation.
Refix with us
Once you've decided, we'll apply for the new rate with your bank or switch if there's a better option. You'll be settled onto your new rate before your current one ends.
Refix questions
When should I refix?
The best time is usually 2-3 months before your current rate expires. This gives you time to review options without rush. If your rate expires soon, don't stress—we can still lock in a new rate before it expires. Some people refix as early as 6 months out if they think rates are about to spike.
Fixed vs floating—which is better?
There's no one answer. Fixed gives you certainty and protects you if rates rise, but you pay a higher rate. Floating is cheaper short-term but moves with the RBNZ. Most people feel more comfortable with some fixed portion. We help you figure out what balance works for your stress levels and your budget.
Should I split my loan into multiple parts?
Yes, if you want flexibility. Splitting lets you lock in some security but keep money available on the floating part. The downside is slightly more admin. We'll show you whether it's worth it for your situation—it depends on your income stability and how much flexibility you actually need.
How do you get paid for this?
We're paid by the lender, not by you. So refixing with us is completely free. We just stay on top of your rate so you don't have to, and we find you the best option. That's how we work.
Your rate's ending soon?
Let's chat about your options and get you on the right rate. We'll make sure you're not just rolling over into the default.
Book a rate review