Secure your financial future with competitive refix rates and expert mortgage advice tailored to your situation
Why Consider Refixing Your Home Loan?
Rate Security
Lock in a fixed interest rate to protect yourself against future rate increases and gain certainty for your budgeting.
Potential Savings
Current market conditions may offer you better rates than when you originally took out your mortgage.
Flexible Terms
Choose from various fixed-term options (1-5 years) to match your financial goals and risk tolerance.
Payment Certainty
Fixed payments make budgeting easier, with no surprises from fluctuating interest rates.
Our Refix Process
1. Review Your Current Loan
We'll analyze your existing mortgage terms, current rates, and remaining loan balance to identify opportunities.
2. Market Comparison
Our experts compare hundreds of loan products to find the best refix options for your specific needs.
3. Personalized Strategy
We'll recommend whether to refix now or wait, and suggest the optimal term length based on market forecasts.
4. Seamless Transition
We handle all the paperwork to make your refix process smooth and stress-free with your existing lender.
Competitive Refix Rates
While rates change regularly, we negotiate with multiple lenders to secure competitive terms for our clients. Contact us for today's best refix rates based on your loan amount and situation.
Refix Questions Answered
When should I consider refixing?
The ideal time depends on your current rate, remaining term, and market conditions. Generally, it's worth reviewing 2-3 months before your fixed term ends.
Can I break my fixed term early?
Yes, but break fees may apply. We can calculate whether breaking early makes financial sense based on potential savings.
Should I fix for 1 year or longer?
Shorter terms offer flexibility while longer terms provide stability. We'll help you weigh the pros and cons based on rate trends and your plans.
What if rates drop after I refix?
Some lenders offer rate drop protection programs. We can discuss options that provide security while maintaining flexibility.
Ready to Review Your Refix Options?
Our mortgage specialists can analyze your current loan and recommend the best strategy for your situation.
Email Us 027 438 4847See How Much You Can Save
Use our refinancing calculator to estimate your new repayments and potential savings.