SIMPLER REFINANCE PACKAGE

If you have a fixed rate due to expire in the next 4 months, NOW is the time to start looking at your options.

book an appointment

MAIN CRITERIA

In the last 12 months , youhave earned $95k as anindividual or $150kcombined or individual with dependents.

Lenders mortgage insurance fee of0.5% of the loan value. This can beadded to the loan.

Be an ordinarily resident inNZ: Hold current NZresidency, have lived herefor 12 months.

FEES, INTEREST RATES AND CASH BACK

Under the First Home Loan,you have access to thebanks current special rates,the same as someone with20% deposit

Be a first home buyer or bein a similar financial positionto a first home buyer

Banks offer a small cashcontribution for FirstHome Loans to help paysome of the legal costsassociated with buying ahome

HAVE YOU...

Had your home loan with your current lender more than 2 years?

Got a fixed rate expiry coming up

More than 20% equity in your home

REFINANCE PACKAGE

Limiting the fees associated with refinancing so you can obtain the best deal available

Up to 1% cash, up to $20,000

Competitive interest rates

Free legal transfer, saving you up to $2,500

STRUCTURE & PRICING

Banks compete for new customers, often offering better interest rates and cash than they would if you were just re-fixing with your current bank.

We bring you the best rates in market and will have a detailed discussion on interest rates and loan structure.

Making sure your mortgage is set up in line with your financial goals can save you a lot of money in the long run, so it's crucial to get it right.

Re-fix

Refinancing is not always the best option, working out the net benefit of refinancing vs simply re-fixing with your current bank is key to making the most informed financial decision.

We'll negotiate terms with your current lender and crunch the numbers for you. If it's in your best interest to re-fix your lending, rather than refinance, you'll know you've got the best deal in the market available to you.

OUR PROCESS - what to expect?

Our process starts with a 15 minute call with Seb our expert mortgage adviser.

From there, we ask you to complete an online application which takes approximately 45 minutes, we will then put the application together as well as obtain indicative pricing for you to consider.

Our service is free so book a time to chat with us and see if we can help save you money!