Mortgage Design

Mortgage Design logo with the company moto

Refinancing and Refixing

Specialist Expertise in Mortgage Refinancing and Refixing

After establishing a home loan, many Kiwis like to set and forget. Aside from making repayments and glancing at a bank statement each month, they go about their lives, never thinking about their home loan.

However, regularly reviewing your home loan and financial situation can help you save thousands on interest and help you pay off your mortgage quicker. Whether you’re looking to restructure your loan or refix your interest rates, the experts at MortgageDesign are here to help.

We understand that everyone is different and needs a solution tailored to fit their specific requirements. Our mortgage advisors will take an in-depth look at your financial situation and consider your future financial objectives to determine the best course of action.

However, one thing remains consistent for all our clients: we adopt a no-hassle approach, ensuring a stress-free and straightforward process.

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Whats the difference between


MortgageDesign can help you obtain any grant you may be eligible for to assist with your initial deposit. We’re home loan experts who can talk you through all the steps of the process.


locking in an interest rate for a new term once your existing fixed term rate expires. This is a great opportunity to make the most of any changes in the market and lock in a better fixed interest rate.

Should you refinance your mortgage?

Refinancing your home loan is an option available to anyone with a mortgage. Refinancing can provide opportunities to streamline your debts, secure a lower interest rate, or give access to new products through a different lender.

Depending on your situation, you can save thousands of dollars by switching providers.

To help you determine whether or not refinancing or refixing is right for you, get in touch with a MortgageDesign mortgage adviser today.


Should you refix your mortgage?

If you’re looking for consistency in your monthly repayments, then having a fixed interest rate may be for you. However, when your fixed-rate term is coming to an end, it’s important to engage with a specialised and unbiased professional who can re-negotiate a new fixed rate on your behalf.

Before choosing to refinance or refix, it’s always worthwhile having your mortgage adviser go over your finances with you to help you make an informed decision.

To help you determine whether or not refinancing or refixing is right for you, get in touch with a MortgageDesign mortgage adviser today.

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Frequently Asked Questions

So, you’re wondering if you should refinance or refix your lending. Where do you begin? We’ve broken down some of the most frequently asked questions to help you understand your way around refinancing and refixing.

This completely depends on your personal circumstances. Would you prefer the security of knowing exactly what your repayments will be for the duration of the term, or would you rather wait and see how the market fares?

If interest rates are going down, a floating rate might look better – but the same also applies the other way! People often choose to structure their loans with a mixture of the two.

Here at MortgageDesign, we understand how complex interest rates can be – so feel free to get in touch with us so we can talk you through the process. We’ll do all of the hard work, such as:

  • Checking your interest rate against the market
  • Entering discussions with your current lender

And investigating the other mortgage options on offer

If you’d like to find out more about how we can help you begin your refixing and refinancing journey,

Further Questions? ​

Ready to take the next step toward your new home? Reach out to the best mortgage broker in Auckland.