Mortgage Refinance in New Zealand: A Smart Move
If you keep at least one eye on the property market, you’ll know that it doesn’t stay in a fixed position for long. Prices and interest rates fluctuate, and Government regulations change in line with the wider economy, so our experienced team is here to keep you ahead of the game.
Refinancing your mortgage by switching to another bank could save you thousands in interest, allow extra cash when you need it, and means you can structure your mortgage in a financially-savvy way. It’s also a path often explored by those who feel let down by their current lender.
To be clear: refinancing means you replace your current mortgage with a completely new loan. You can either work with your existing lender or take advantage of a deal offered by a new lender. Our team will do the shopping around, so you don’t have to!
As part of the process, we’ll help you work out any break fees you may be liable for and whether you’re actually better off by refinancing. If the answer is yes, we can then take care of the application process. We’ll stick with you every step of the way until your new loan is approved and drawn down.
Navigating the refinancing landscape can be complex, but our experienced team at Total Mortgages is here to simplify it for you. Book a call today.
Refinancing Mortgage in NZ: The Ins and Outs
Refinancing your mortgage in NZ involves replacing your existing loan with a new one, often with better terms or lower interest rates. This can be an excellent strategy for:
- Achieving lower interest rates
- Accessing extra cash when needed
- Structuring your loan in a more financially beneficial way
Refixing your mortgage, or renegotiating your loan terms with your current lender, can also be a great option. It's particularly useful if you're satisfied with your current lender but want to leverage any changes in interest rates or your financial situation.
Why Choose Us for Your Mortgage Refinance
With Total Mortgages, you'll benefit from:
- Expert advice on whether refinancing or refixing is the right move for you
- Assistance with break fees and other potential costs
- Guidance through the entire application process
Refinancing or refixing your mortgage can be a powerful tool to save money and gain financial flexibility. Trust us to help you make the most of this opportunity.
To ease your refinancing journey, we provide a range of tools to help you make informed decisions. If you're ready to explore the benefits of refinancing or refixing your mortgage, don't hesitate to contact us or send an email to hello@total.nz.
Our team is eager to guide you towards the best financial solutions for your unique needs. Let Total Mortgages empower you in securing the best mortgage refinance rates in New Zealand.
