How long does refinancing take?

Typically 10-14 business days from application to funding.

Can I refinance if I have poor credit?

Yes, though interest rates may be higher. We work with lenders across the credit spectrum.

Refinance Your HOME LOAN And Save Thousands

Fixed rate expiring? Need to unlock equity for renovations? As your local refinance mortgage broker, we compare 20+ lenders to find you a better deal with zero stress and no cost to you.

Get Started Try Our Calculator

Refinance Home Loan

Lower Interest Rates

Up to 1%Cash Back

🛠️ Unlock Your Equity

Refinancing your home loan could save you thousands of dollars over the life of your mortgage. Whether you’re looking to lower your interest rate, reduce your monthly payments, access cash for home improvements, consolidate debt, or shorten your loan term – refinancing might be the right move for your financial goals.

At EasyMortgage, we compare rates from 20+ lenders to find you the best refinancing deal available. Our process is simple, transparent, and designed to save you money.

Why consider a mortgage refinance in the Bay of Plenty?

✅ Lower Interest Rates – Save money if rates have dropped since you last borrowed.

✅ Reduce Monthly Repayments – Free up cash flow for other expenses.
✅ Access Equity – Unlock cash for home improvements, investments, or debt consolidation.
✅ Switch from Fixed to Floating (or vice versa) – Match your loan to your financial goals.
✅ Better Loan Features – Find loans with offset accounts, extra repayments, or flexible terms.

Your Local Refinance Home Loan Broker

You don’t need an anonymous 0800 number or a call centre in Auckland. You need local advice from our Rotorua or Tauranga office who understand our regional property market.

Whether you are looking to refinance a mortgage in Tauranga, seeking a better deal on a refinance mortgage in Rotorua, or anywhere across the wider region, EasyMortgage is your trusted community partner. We do the heavy lifting, the paperwork, and the bank negotiations so you don’t have to.

How It Works

Step 1: Initial Consultation
We discuss your current mortgage, financial goals, and refinancing timeline. This is a free, no-obligation conversation.

Step 2: Credit Check & Pre-Qualification
We run a soft credit check to understand your borrowing capacity and eligibility for the best rates.

Step 3: Loan Comparison
We compare refinancing options from multiple lenders, focusing on interest rates, fees, and loan terms that match your goals.

Step 4: Application & Approval
Once you’ve chosen your preferred option, we handle the full application process. Most refinancing applications are approved within 5-7 business days.

Step 5: Settlement & Funding
Your new loan is finalized, and we coordinate the settlement with your current lender. Funds are transferred, and your new loan begins.

Assess Your Goals

We’ll review your current mortgage and financial goals to determine the best refinancing options for you.

Compare Rates

We’ll negotiate with lenders to find you the best interest rates and terms.

Switch and Save

We’ll handle the paperwork and make the switch seamless so you can start saving right away.

Ready to Save? Get Expert Refinance Advice

🔹 Free Comparison – We check rates across 20+ NZ lenders.
🔹 No Obligation – Get a savings estimate before committing.
🔹 Stress-Free Process – We handle negotiations and paperwork.

📞 Call 027 438 4847 or Get a Free Refinance Assessment today!