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Should You Refinance?
Six quick questions to see if switching banks is beneficial for you right now.
When does your current rate roll off?
Check your banking app or your last renewal letter.
Within 3 months
3 to 6 months
6 to 12 months
Over 12 months
Already floating
Roughly, how much is your mortgage?
Ballpark is fine!
Pop in roughly what you owe
What's your home worth, roughly?
RV, a recent appraisal or a gut feeling is alright!
Pop in roughly what it's worth
How long have you had this loan?
Since settlement, not since you started thinking about it.
Under 3 years
3 to 4 years
Over 4 years
Is your lending split across more than one fixed rate?
Some people fix chunks of the loan at different times. If that's not you, easy, just say no.
Yes
More than one fixed portion
No
It's all on one rate
Any missed payments or defaults in the last 12 months?
Being upfront here helps me give you the right next step.
No, clean record
One or two
Late payment, small overdraft, that sort of thing
Yes
Defaults, missed payments, or not sure
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Your numbers are ready. Pop your details in and I'll show you what you could be owed.
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Checking your numbers
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150+ Kiwi families helped into homes, and helped manage their mortgage.
154+ five star reviews · $0 cost to you, ever
154+ five star reviews · $0 cost to you, ever