Refinance Made Easy

Is your interest rate expiring soon? Match with a Mortgage Adviser that will fight to get you the lowest rates.

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Lenders We Work With

Our Mortgage Advisers work with leading New Zealand home loan providers…

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anz logo
westpac logo
bnz logo
kiwibank logo
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Are your rates about to increase?

Our mortgage advisers are skilled professionals who can help you at every stage of the process. They can:

Depending on how long you’ve previously fixed for, you might be facing increases of close to, and sometimes more than, double your current fixed rate.
Higher rates = Higher repayments

How much extra each week will your mortgage be and can you afford that?

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Compare Rates*

Lender Floating 6M 1Y 18M 2Y 3Y 4Y 5Y
ANZ 8.64 7.25 7.14 6.89 6.79 6.65 7.34 7.34
ASB 8.64 7.24 7.14 6.89 6.75 6.39 6.39 6.39
BNZ 8.69 7.24 7.14 6.89 6.79 6.65 6.55 6.55
Kiwibank 8.50 7.25 6.99 6.79 6.65 6.55 6.55
Westpac 8.64 7.05 6.89 6.79 6.75 6.39 6.39 6.39

*The live mortgage rates supplied by interest.co.nz are designed to be updated on an hourly basis, however sometimes updates may not occur as intended. Therefore the displayed rates are for reference only and we recommend you always check with a mortgage adviser or lender directly to confirm the latest rates on offer. The rates highlighted above are the ‘leading’ bank rate of the day, these rates may not be available to everyone. The highlighted rates may be ‘specials’, have ‘LVR requirements’ are for ‘owner occupiers’, or other ‘fine print’ to meet the eligibility criteria. Please check with your adviser directly to get information specific to your own circumstances.

Lender
Floating
6 Months
1 Year
18 Months
2 Years
3 Years
4 Years
5 Years
Lender
anz logo
Floating
8.64
6 Months
8.64
1 Year
8.64
18 Months
8.64
2 Years
8.64
3 Years
8.64
4 Years
8.64
5 Years
8.64
Lender
asb logo
Floating
8.64
6 Months
8.64
1 Year
8.64
18 Months
8.64
2 Years
8.64
3 Years
8.64
4 Years
8.64
5 Years
8.64
Lender
bnz logo
Floating
8.14
6 Months
8.14
1 Year
8.14
18 Months
8.14
2 Years
8.14
3 Years
8.14
4 Years
8.14
5 Years
8.14
Lender
kiwibank logo
Floating
8.25
6 Months
8.25
1 Year
8.25
18 Months
8.25
2 Years
8.25
3 Years
8.25
4 Years
8.25
5 Years
8.25
Lender
westpac logo
Floating
8.64
6 Months
8.64
1 Year
8.64
18 Months
8.64
2 Years
8.64
3 Years
8.64
4 Years
8.64
5 Years
8.64

Competitive Refinance Rates

Banks and lenders are often eager to secure new business, and can be willing to sweeten the deal for new clients. When you refinance, you may be able to secure more competitive rates and terms, cashback offers, and better customer experience than if you were to stick with your current provider.

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Benefits of Refinancing

Whether your goals are simply to find the right rates and lowest repayments possible, explore possible cashback opportunities, consolidate higher interest debt, or simply just shopping around, get matched with an adviser today to find out more.

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Simple Refinance Process

Fill Out a Form

1

Getting To Know You

3

We Get Competitive Rates

4

About Mortgage Matcher

At Mortgage Matcher, we help Kiwis get the right deal for their situation. We’ll find our customers the lowest rates, cashback options, and overall refinance package that fits their goals today – and tomorrow.
Whether your fixed term rate is coming to an end or you’re simply looking for the best rates, we understand that refinancing can be overwhelming and confusing.
Our experienced senior advisers will help you throughout the process, and ensure you get the right deal.

A few of our numbers:

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Frequently Asked Questions

No, refinancing won’t always result in repayments that are lower than your current repayments. What it will do is allow you to shop around and find the best rates and lowest repayments for your current situation in your next loan term.

Part of refinancing you’ll often need to deposit your salary into your account. What a lot of people don’t realise is that you can leave all your current direct debits to your power, internet, online subscriptions, gym, church, schooling, etc with your current bank and simply set up a transfer from your new bank to your old one. This way you get the best of both worlds. 

We aim to turnaround your application within 2-3 weeks from the time we have obtained required information from you. However, depending on your situation, this can take longer as timings can vary depending on how unique your situation is. Our adviser will inform you of the estimated turnaround at the time of application.

Break fees are very dependent on your situation (i.e. how long you have left on your current fixed terms; and what your fixed interest rate is compared to the current market rate). Your adviser will be able to confirm these fees before proceeding with an application. We often find that break fees can be lower or higher than what our clients expect, so it’s worth having an adviser to look into this for you, and providing other possible solutions to help cover these fees, if any.

This can be due to a variety of internal bank reasons, however we often find that a client’s existing bank can be limited to their own internal costs of funding, and may not be able to offer as competitive rates as other providers at that moment in time.This is where we find our advisers can prove their value and access other lenders to help sharpen interest rates to ensure our clients are getting the best possible, and most competitive interest rates available in the market for their current situation.

There are often conditions that lenders place on any cashbacks received when refinancing. These are often lender specific but could include timeframe commitments where if you were to move to another provider you would be required to return the cashback amount in full or in part. A good mortgage adviser will outline any conditions placed by lenders on cashback options.

Not everyone should refinance but they should shop around and make sure that they are getting the best rates and payment terms for them and their families. 

Refinancing can take as little as 2-3 weeks from filling out a form and matching with an adviser through to a new settlement. 

Our advisers make this as steamlined as possible. First of all, our advisers can apply to many lenders at the same time on your behalf, so you do not need to be in contact or visit any branch, until you have selected which bank or lender you would like to proceed with. 
From this point, it will depend on which lender you have chosen. Some lenders require you to visit them in person, and others can complete all verification and account set up remotely. Our advisers can let you know about this in advance if you require it.

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Get expert advice for every stage

MortgageMatcher is the faster and smarter way to find your financial adviser.