Refix Mortgage

The amount you borrow matters, but the loan terms are just as important.

You need straight-up, expert advice at this point. We know loans inside and out. We’re direct, we listen carefully, and we do our homework to find the best options for you.

Many homeowners stick with their current terms for years without exploring better options. That’s where we come in to help.
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What to do?

Well you want the best rate, right? Everyone does. But how do you make sure that happens? Do you refix or float for a while? Take your bank’s offer, or look around? Are they really giving you the best offer, or could a different structure help you through this next period of life? All questions worth asking.

You need solid, unbiased advice. A second opinion.

The size of your mortgage matters of course, but the conditions, well they’re just as important. Payback rate, break periods, interest-free options, fixed or floating, payment flexibility – it all affects how you pay back your mortgage.

Ready to get your refix sorted?

Fill in this quick form and we can take you through finding the best rate and structure for you.
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Why refix?

Most homeowners set their mortgage rate for a fixed term on a rolling basis and don’t challenge the lender rates, or adapt their mortgage to their changing needs. Uhhhh, just another thing to think about, right? BUT when you refix your mortgage, you can, and should, take advantage of the market movements and reduce the rates you’re offered.
But that takes balls [and a bit of nouse]
But that takes balls [and a bit of nouse]

Why use an adviser?

We say, why not use an adviser?! Seriously. Chasing banks for answers, paperwork, sharper interest rates, changes of structure – it’s a bunch of stress and time that you don’t need. We do this all day, every day, and know when to push to get the best deal to meet your needs.

Here’s why people back using an adviser –

  • A better interest rate
  • Options and advice to ensure the best deal
  • Someone looking after their interest, not the bank’s
  • Someone doing all the negotiation
  • PLUS, using an adviser COSTS NOTHING

Why use us then?

Well that’s another question all together. Hastie Mortgages are a highly experienced team that know lending back to front. We’re straight to the point. We listen. And we do our research. Cam’s often quoted in the media for his views on the current market – and respect comes where respect is due.
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So, where’s your head at?

We commissioned a market research firm to randomly survey 250 people who have a mortgage and here’s what they said.
Have you got the best mortgage deal for your situation?
0 %
2/3 of them weren’t sure
We asked them “if a mortgage adviser could get you a better deal would you be interested?”
0 %
said yes
If we could do that without you having to move banks, would you be interested?
0 %
said HELL YES.

We asked those people what they consider at refix time…

0 %
said just get me the lowest rate, mate. [and set it up better so it suits me
Have you got the best mortgage deal for your situation?
Have you got the best mortgage deal for your situation?
0 %
said they’d take whatever the bank gives them (morons!)
We asked them “if a mortgage adviser could get you a better deal would you be interested?”
0 %
would ask their mates, and maybe do what their mates suggest
If we could do that without you having to move banks, would you be interested?
0 %
said they’d get help and advice from a mortgage adviser

Getting your mortgage right is important.

Rates are great. Right is imperative.

You’re the one having to live with the money draining out each payday. So make sure you’re doing your darndest with it. Talk to us and get us to guide you into the right mortgage for you.

Worth a chat? It’d be a waste not to.

Go ahead and fill in the form below. We’ll be in touch shortly, and won’t be spinning you any lines!

Forsyth Barr House, 19 Tamariki Avenue, Orewa, Auckland 0931
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