Re-fixing / Restructuring.
Don't get caught floating with the current, take a deep dive into your finances.
Your loan structure is live and dynamic
As circumstances change, so should your mortgage.
Once you set up your mortgage with regular automatic payments it's easy to forget about it; this is not the best practice.
Whether your lifestyle has changed or you want to take advantage of lower interest rates, we will work with you over the years to ensure your mortgage is operating as effectively as possible, tailored to your individual needs and suits the stage of life you are in.
“Back in 2018, Paul helped my partner and myself get into our very first home. It’s no exaggeration to say that we couldn’t have done this without him. Being totally green to the whole process, he guided us every step of the way, helped us make informed decisions and was always respectful of our budget and financial boundaries. Communication was exceptional and Paul shouldered the responsibility of talking to any other parties involved so that we only had to touch base with him. It took us 8 months to finally get our home (as the market was so hot) and we were never made to feel like an inconvenience on Paul's time or resources; he stuck with us through the entire journey. Since then Paul has become our anchor in all matters related to our home, investment and debt management. We are so lucky to have found the Mortgage Room and are all the better for knowing Paul.”
Caitlyn and Matty - Marlborough, NZ
Let’s chat
Get all your penguins waddling in a row.
Getting in touch with us for a free mortgage review doesn't mean loads of tricky forms or even needing to change banks. You’ll be surprised at how simple the process really is!
Why Re-fix/Restructure
Make the most of lower interest rates
Even the smallest amount off your interest rate can make a huge difference to your monthly payments leaving you with more money in your back pocket as well as paying off your home loan quicker.
Your lifestyle has changed and so should your mortgage
Maybe your family is growing, or the chicks have left the nest and you are approaching retirement. Whatever stage of life you are at or goals you may have, it's important to ensure you’re on the right structure to suit your needs right now.
You could save thousands!
And we mean tens of thousands!!
It costs you nothing for us to help review your mortgage. You have nothing to lose and everything to gain.
You may not even need to change banks
If you’re happy where you are, we may be able to renegotiate your mortgage with your current bank. We do all the work on your behalf.
What We Do
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We’ll meet with you and discuss exactly where it is that you are at and where you want to be.
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We will then undertake a thorough review of your existing lending and loan structure to see if it’s still right for you.
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We will do a break-fee analysis and calculate whether it's a good move for you to refinance.
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If it is, we will provide a new loan structure recommendation tailored to your needs.
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You’ll have ongoing support from us too! We keep an eye on your fixed rate rollover dates and will advise you on what best to do as these come up.
