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

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. 

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.