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Refinancing Your Mortgage

Lower rates are great but they don’t shorten the life of your mortgage, that’s something we can help you with. Talk to us about refinancing to reduce the interest you pay.

How we can help you shave years off your mortgage

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Personalised
Service

Personalised service with continuous coaching to build and maintain a plan that works for you.

A Smart Home Loan Structure

Make the most of your income and savings to reduce the interest you pay.

Icon representing graphical tools

Tools That Put You In Control

Access to DebtNav, our unique online monitoring tool, to help you stay on track.

Icon representing two people talking

Personalised
Service

Personalised service with continuous coaching to build and maintain a plan that works for you.

A Smart Home Loan Structure

Make the most of your income and savings to reduce the interest you pay.

Icon representing graphical tools

Tools That Put You In Control

Access to DebtNav, our unique online monitoring tool, to help you stay on track.

Frequently Asked Questions

What is mortgage refinance?

Refinancing with NZHL creates an entirely new mortgage and an opportunity to restructure your debt, to better suit your personal situation.

Why refinance?

People refinance for lots of personal reasons, from changing circumstances to life goals and interest rates.

People often refinance with NZHL because they want to get ahead, faster and take advantage of the smart home loan structure and personalised support we offer.

When is the right time to refinance your mortgage?

Refinance timing is important and dependent on your personal situation, financial goals and the life cycle of your existing loan.

Your best bet is to talk to your local consultant about how NZHL could help you personally.

How much equity do I need to refinance?

This depends on the type of loan and the lender.

For conventional mortgage loans, many lenders require at least 20% equity.

Our NZHL consultants could help you through this process.

See how much you could save on your mortgage with our home loan comparison calculator.
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