Refinance
Refinance your home loan to meet your needs
A home loan is a brilliant tool to help you realise your financial and lifestyle goals. Talk to our mortgage advisers about what you want to achieve. We can help you find the right mortgage solution for you.
If your circumstances change, it could be a good time to review your mortgage. We’ve got heaps of experience helping our clients to adapt their finance to meet a wide range of changing needs.
Is it the right time to top up your home loan?
If you have a large cost to pay for then you might be able to fund it with your home loan. Whether you’re interested in renovating your property or making a purchase like a car, you can explore topping up your home loan and using your mortgage as a low interest solution.
Your Mortgage Sure Adviser can help you explore your available funds, understand the cost of topping up your home loan, and plan your repayments. If you’re not getting the right package with your current home loan provider, we can explore options with our other lenders to make sure you get the best deal.
When you refinance your home loan with the help of Mortgage Sure, we make sure it matches your plans and supports your budget.
Reduce the cost of borrowing and consolidate your debt
Do you have loan or credit card debt that you want to get rid of? If you have equity in your home and you want to get rid of the cost of high interest rates; you might be interested in consolidating your debt into your home loan.
Our team has years of experience helping our clients to minimise their interest costs and manage their debt as cost-effectively as possible. Contact us today and we’ll help you explore the options to consolidate your short-term debt into your home loan. Debt consolidation could make repayment more manageable and help you reduce the cost and complexity of borrowing from more than one lender.
Is your home loan structured to suit your needs?
If your circumstances change; you might find that your home loan is no longer structured in the best way for you.
Here are some of the reasons you might want to review your home loan structure:
- Have your earnings increased or decreased?
- Would you like to have access to more money on a day-to-day basis?
- Have you received a lump sum that you would like to pay onto your home loan?
- Have you had an unplanned-for cost that you need help to pay?
- Have you built up savings that you could use to reduce the cost of interest on your home loan?
Book an appointment with one of the Mortgage Sure team today. We’ll be happy to help you take a close look at your mortgage and explore your options. We can help you understand how you could restructure your home loan to suit your needs.
Helping our clients with refinancing
We’ve been working with clients across New Zealand to help them refinance their home loans for the best results.
Refinance your home loan when interest rates drop
A drop in interest rates might mean an opportunity to reduce the cost of your home loan. Changes to interest rates are a great reason to get in touch with our team and make sure your home loan is structured to give you the best deal.
Have you considered whether you could reduce the cost of interest on your home loan if you fix all, or a portion, of your mortgage at a lower interest rate?
Your Mortgage Sure Adviser is ready to help you find the best interest rate for your loan. We’re happy to negotiate the best deal with our lenders, so you don’t need to shop around for a home loan that will meet your goals.
Whether your looking for repayment certainty, or ways to save on the total interest costs paid over the life of your loan, book an appointment today and your Mortgage Sure will help you to explore different loan structures and loan features that meet your goals and objectives.
What kind of home loan is right for you?
With a team of trusted lending partners, Mortgage Sure offers our customers access to a range of home loan options that allow us to be flexible to both your needs and circumstances.
We work with you to find you the right type of home loan and loan structure that best suits you, or tell us what you want to achieve and we’ll find you the best mortgage solution possible.
FAQs
There are a number of reasons why people choose to refinance. Some of these include:
- To minimise interest costs.
- To reduce your minimum repayments.
- To take advantage of different loan features other lenders offer.
- To unlock any equity held in your property.
- To consolidate other debts and loans.
The costs to refinance your home loan will depend on your individual circumstances. However, some of the costs you are likely to incur are as follows:
- Break fees where you break a fixed rate loan.
- A fee from your outgoing lender to discharge your mortgage.
- Legal fees from your solicitor who will take you through the loan documentation process and manage registering and discharging any mortgages on your property.
If you don’t feel as though your home loan is meeting your needs and objectives, refinancing could be an option for you to consider. Get in touch with one of our mortgage advisers to ensure you understand all the pros and cons of refinancing your mortgage.
Yes, you can still refinance your home loan, however you should discuss this with your mortgage adviser first to ensure you are aware of all the benefits and costs associated with refinancing.
There is no difference.
Our team are commited to supporting your finance needs
Book an appointment with one of the Mortgage Sure team today. We can help you understand how you could refinance and restructure your home loan to suit your needs.
