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Mortgage Refinancing
If you’ve had your mortgage for a few years, chances are there’s a better deal out there. At Secure Mortgages, we help New Zealand homeowners refinance their loans to lower interest rates, reduce monthly repayments, or access home equity for renovations, investments, or other big goals.
Whether your fixed term is ending or you just want to review your current setup, our expert advisors compare options across multiple lenders to ensure you’re not paying more than you should. We handle the paperwork and negotiation—so you get better terms, stress-free.
Why Choose Secure Mortgages?
How do I know if it’s the right time to refinance?
If your fixed term is ending, interest rates have dropped, or your financial situation has changed—refinancing might be a smart move.
Are there any costs involved in refinancing?
Some lenders charge break fees or legal costs. We’ll review this upfront and ensure the long-term savings outweigh any short-term fees.
Can I refinance to consolidate other debts?
Yes. Many clients roll credit cards, personal loans, or car loans into their mortgage to reduce interest and simplify payments.
How much can I borrow against my property?
Most lenders allow up to 80% of your property’s value. If you’ve built equity, we’ll show you how to access it effectively.
Will refinancing affect my credit score?
Only minimally. And the benefits of a better loan often far outweigh the temporary dip caused by a credit check.