Interest Rate Renewals
Refixing your mortgage presents an opportunity to get a better deal from the bank and better align your borrowing structure with the state of the market. We can take a look at your specific situation and renew your mortgage rates to best suit your needs.
Get the right deal for the future of your mortgage
Interest rate renewals (otherwise known as refixes) are an opportunity to refresh the structure of your borrowing to ensure that it aligns with your lifestyle and needs, and the external market trends.
While refinancing often involves switching banks, an interest rate renewal involves renegotiating with your existing bank.
Here are the consideration we look at when refixing your mortgage:
Changes in your income, spending patterns, lifestyle goals, and ability to save money.
Interest rate trends and the likelihood of borrowing to increase or decrease in the coming years.
How much of your loan should be fixed vs. floating.
How we should split the fixed component of your mortgage into different terms (e.g: 12 months, 18 months, 3 years etc.).
Our approach is dynamic and changes depending on the state of the market, along with the needs of each client. You can trust that we’re applying our skills to secure you the best deal possible.
Experience The Mortgage Centre Difference
Clients love working with our registered financial advisers because we’re highly experienced, attentive to their needs, and helpful at every step along the way.
Deep expertise
We’ve spent decades working in banks. We know what lenders want to see, and how their processes function internally. We think outside the box to give you the best solution for your needs. And we’ve won a bunch of awards, too.
Focused on structure
Getting your loan approved is the easy part. Fine-tuning the structure to be the best fit for your specific situation is where we excel. We work with all the major banks and many non-bank lenders. And we look beyond just interest rates - we focus on setting you up with the right structure to repay your loan faster.
Personalised solutions
Our approach is tailored, not generic. We take the time to understand your unique scenario and explore the various options available, ensuring our recommendations truly align with your needs. We put your best interests first, and we’ll only set you up with loans that are the right fit for you.
Lifelong support
Our service doesn’t end with getting your loan approved - it’s just the beginning. You can expect annual check-ins, anytime support to help you on your property ownership journey, and advice on property-related matters as required. We're about building lasting relationships and empowering you to succeed.
Clear guidance
Getting a loan and buying property can sometimes be overwhelming. We take a relaxed yet professional approach to help you feel comfortable, confident and supported every step of the way. You’ll receive detailed and up-to-date information to ensure that you’re making the right choices without feeling overloaded.
Keeping it simple
Our services are designed to be straightforward and easy for you. We put in the work and handle the complexities, giving you a hassle-free experience. With our streamlined, honest, and transparent approach, you can enjoy a smooth borrowing process that doesn’t usually cost you a cent.
Steps to success
Step 1
When you get in touch, we’ll arrange a time to meet (in person or online), get to know more about your situation, and provide some initial solutions to consider.
Step 2
When you’re ready to go ahead, we’ll onboard you as a client, collect all the documentation required, prepare your application, and work with lending providers to get your borrowing pre-approved.
Step 3
Once we’ve gained approval and you’re happy to proceed, we will meet to select the best structure for your loan and submit it to the bank. Then we’ll work with the bank to get the deal completed.
Step 4
After your transaction is completed, we’ll keep supporting you as and when you need it. With annual checkups and the ability to contact us any time you need guidance, you can feel comfortable knowing that you’re in good hands.
Contact us
Contact us
When you’re ready to start the conversation, please feel free to contact us by filling out the form below, or reaching out to your local adviser in Auckland, Waikato, or the Bay of Plenty and Taupo. We look forward to helping you!