Mortgage Refinance
Made Easy.

So, you’ve come to the end of your mortgage term and you’re considering refinancing. How does it all work? Read on to learn why, when, and how to refinance your mortgage.

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Talk to an NZHL Mortgage Mentor to see if refinancing is right for you.

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Refinancing could help you achieve your goals

For most, paying off your home loan as quickly as possible is the ultimate goal, and we believe refinancing with us could help you get there. When exploring your options, it's important to chat with the experts. An NZHL Mortgage Mentor can help simplify the home loan process and ensure your structure is working best for you.

The Benefits of Refinancing

As our circumstances change, so should our mortgage. There are many benefits to refinancing a mortgage, including:

Customising your structure to suit your current needs
Locking in a lower rate and saving on interest costs
Accessing the benefits of a new lender
Consolidating your debt
More control over your finances

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Let’s get back to basics

What is refinancing?

Refinancing means replacing your existing mortgage, with a new home loan, typically from a different lender. It allows you to:

Restructure your home loan
Adjust terms
Make changes to better suit your financial and personal circumstances.

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Why should I refinance?

Refinancing could help improve your financial health and help you achieve your goals. Whether you’re looking to simplify your finances or fund a renovation, refinancing can offer several benefits like:

Saving of interest costs
Getting better support
Consolidating debt.

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When to refinance?

Refinancing your mortgage can be a strategic financial move, offering you the chance to save money, lower your monthly payments, or even tap into your home’s equity. It could be a good time to refinance if:

Your current home loan is up for renewal
Your income or personal circumstances have changed
Interest rates have gone up or down.

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Why work with an NZHL Mortgage Mentor when refinancing?

Refinancing your mortgage can be complex. Working with an NZHL Mortgage Mentor can make the process easier with plenty of added benefits. Here’s a list of reasons partnering with an NZHL Mortgage Mentor could be the change you need.

Personalised financial advice

NZHL Mortgage Mentors specialise in helping Kiwis achieve financial freedom faster. They take the time to understand your unique financial situation and goals, to create a tailored mortgage plan that aligns with your needs.

Expert Advice

If you need clarification on whether refinancing is right for you, consider consulting with a NZHL Mortgage Mentor. An experienced adviser will help you assess your options, weigh the pros and cons, and make informed decisions based on your circumstances and goals.

Ongoing coaching and access to DebtNav

NZHL Mortgage Mentors don’t just help you refinance; they offer continued support throughout the life of your loan as your financial situation evolves. They provide access to DebtNav, a unique online tool that helps you plan, monitor, and review your progress towards financial freedom.

Best of all, you’ll get expert advice, personalised service, and ongoing support at no additional cost. By choosing an NZHL Mortgage Mentor, you’re not just refinancing your mortgage—you’re taking a significant step towards achieving financial freedom faster.

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About Us

NZHL is a purpose-driven (financial freedom faster) home loan and insurance adviser network. We are passionate about helping Kiwis with their homeownership goals and finding the right solution for their needs alongside sensible insurance protection.

And those aren’t just aspirational words – that’s actually what we do. As a proudly Kiwi-owned and operated business, we help over 50,000 Kiwis collectively save millions in interest costs each year. *

We do this by taking a structured, personalised approach: providing coaching and support via our NZHL Mortgage Mentors, creating tailored smart home loan plans, and access to DebtNav, our online monitoring tool which helps our clients take control of their finances and stay on track to paying off their loans faster.

Whether you’re refinancing your mortgage, looking at investment property options, or looking to get on the property ladder in the first place, NZHL is the group of experts you want in your corner.

*This figure is an estimate based on actual balances of current clients at the NZHL floating interest rate and the expected loan balance based on advertised bank interest rates.