Refinance and Refix

Your mortgage is often your biggest financial commitment, so it’s important to make sure it continues to work in your favour

Your mortgage should evolve with your life. Whether you’re seeking better rates, more flexibility, or access to equity, Truviser offers expert guidance to help you refinance or refix with confidence.

Why Review Your Mortgage?

Better Interest Rates: By refixing your loan, you could secure a lower rate and save significantly on interest.
Refinance to Unlock Equity: Access the value in your home to fund renovations, investments, or personal goals without added financial hassle.
Reduce Repayments: Restructuring your loan could lower your repayments, giving you more freedom and peace of mind.
Stay Financially Aligned: We ensure your loan structure matches your lifestyle and long-term plans, not just the bank’s terms.

Step-by-Step Support

1. Why Refinance or Refix?

Secure Competive Interest Rates and Cash Back: Switching lenders or refixing your loan can reduce the total interest paid over time.
Unlock home equity: Use your property’s increased value to fund renovations, investments, or major expenses—subject to lender approval.
Reduce Mortgage repayments: Adjust your loan structure or extend terms for greater monthly flexibility.
Align with life changes: Marriage, children, career shifts, or retirement are all good reasons to revisit your mortgage.

2. Review & Compare Lender Options

Free mortgage health check: We assess your current loan and explore better alternatives.
Market research: Compare rates and packages from NZ banks and non-bank lenders.
Transparent recommendations: We present pros and cons clearly so you can make informed decisions.

3. Strategic Restructuring

Customise your loan: Fix for certainty, float for flexibility, or blend both based on your financial outlook.
Tailored repayments: Adjust frequency or amounts to suit your income and goals.
Debt consolidation: Merge loans into one manageable payment—if it aligns with your long-term strategy.

4. Unlocking Equity for Growth

Release capital for renovations, investments, education, or lifestyle upgrades—safely and strategically.
We guide you through the process to ensure financial security and lender approval.

5. Stress-Free Process

End-to-end support: We handle paperwork, lender negotiations, and every step of your refinance or refix.
Quick turnaround: Our trusted relationships with top lenders mean smoother, faster outcomes.

Why Choose Truviser?

Personalised advice, focused on your goals—not the banks’
Proven results, securing better rates and smarter structures for hundreds of homeowners
Clear communication, built around your long-term peace of mind

Your mortgage should work for you—not the other way around.
Contact Truviser today for a free mortgage health check and expert guidance.