Refix Mortgage Services NZ
Get refix mortgage services in NZ with expert guidance, competitive interest rates & fast processing to secure better repayments. Review & refix your loan now.
When your fixed home loan rate is coming to an end, choosing the right refix mortgage option can significantly impact your repayments and long-term financial position. A well-timed refix can help you secure better rates, improve cash flow, and align your mortgage with your current goals.
At Loans and Mortgages, we help homeowners and property investors confidently refix their mortgage with expert advice, competitive lender options, and tailored loan structuring across New Zealand.
What Is a Refix Mortgage?
A refix mortgage is the process of selecting a new interest rate and loan term when your existing fixed-rate mortgage expires. Instead of automatically rolling onto a lender’s default rate, refixing allows you to review your options and choose a structure that suits your financial situation.
Refixing can apply to:
Owner-occupied home loans
Residential investment property loans
Commercial investment property loans
Split loan structures (fixed + floating)
How Refixing a Mortgage Works in New Zealand
When your fixed rate period ends, your lender will usually offer new rate options. However, these may not always be the most competitive or suitable.
With Loans and Mortgages, we:
Review your current mortgage structure
Compare refix rates across multiple NZ lenders
Assess whether refixing, refinancing, or restructuring is more beneficial
Align your loan term with your income and future plans
This ensures your refix decision is strategic, not automatic.
Refix Mortgage Options Available
Fixed Rate Refix
Lock in certainty with a fixed interest rate for a chosen term, ideal for budgeting stability.
Split Loan Refix
Combine fixed and floating portions to balance flexibility with rate security.
Investment Property Refix
Tailored refix strategies for investment property loans, considering cash flow and long-term returns.
Benefits of Refixing Your Mortgage
Secure competitive interest rates
Avoid default rollover rates
Improve monthly cash flow
Adjust loan terms to match life changes
Review lending structure without starting from scratch
Refixing at the right time can save thousands over the life of your loan.
Who Should Consider Refixing Their Mortgage?
Refixing may be suitable if:
Your fixed rate is expiring soon
Interest rates or market conditions have changed
Your income or expenses have shifted
You want to reassess your mortgage strategy
You hold investment or commercial property loans
Our advisers help you decide whether refixing alone is sufficient or if refinancing or restructuring would be more beneficial.
Why Choose Loans and Mortgages for Refix Advice?
- Access to competitive refix rates from NZ lenders
- Strategic advice beyond just interest rates
- Support for residential and commercial borrowers
- Personalised mortgage planning
- Transparent, pressure-free guidance
We focus on long-term outcomes, not short-term rate chasing.
Our Other Loan & Mortgage Services
First Home Buyer Loans
Support for first-time buyers navigating deposits, approvals, and competitive home loan options.
Commercial Investment Property Loans
Specialised lending for offices, retail, industrial, and mixed-use investment properties.
Investment Property Loans
Flexible mortgage solutions designed for both residential and commercial property investors.
Refix Mortgage Services
Expert guidance to secure competitive rates when your fixed term ends.
Mortgage Refinance Services
Restructure or switch lenders to reduce interest costs or consolidate debt.
Mortgage Restructure
Optimise your current mortgage setup to better suit changing financial circumstances.
Home Renovation Loans
Funding solutions for upgrades, extensions, and home improvements using smart lending strategies.
Equity Release Services
Unlock the value in your property to invest, renovate, or consolidate debt.
Residential Investment Property Loans
Tailored finance solutions for building and growing residential property investment portfolios.
Refix Mortgage FAQs
Ideally, you should review your refix options 1–2 months before your fixed term expires.
Yes, but early refixing may involve break fees. We help assess whether it’s worth it.
Refixing keeps you with your current lender, while refinancing moves you to a new one. The best option depends on rates, fees, and your goals.
Yes, investment and commercial property loans can be refixed with tailored strategies.
Speak to a Refix Mortgage Specialist
If your fixed rate is ending, don’t leave your mortgage on autopilot. Talk to Loans and Mortgages today to review your refix mortgage options and secure a loan structure that supports your financial future.
