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Answer the basics
Tell us about your goal and current financial position.
Understand your current position
Could your mortgage be working harder for you?
Review or refinance the mortgage you already have: check your loan, estimated equity and repayment position.
In summary
This page is about reviewing the mortgage you already have. You can check your balance, rate, term and repayments against what is available now, and see an indicative estimate of the interest difference and possible time off your loan. Nothing here is a lender approval or financial advice.
Start my mortgage review About 3 minutes · no commitment
What you’ll get
A simple snapshot of your mortgage and areas an adviser could review.
Useful value before contact details
Assumptions shown clearly
You choose whether an adviser follows up
Simple by design
A better place to start
This is a lightweight assessment, not a long mortgage application. We ask one clear question at a time and explain what the result means.
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See an indication
Get a transparent demonstration result with its assumptions.
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Choose the next step
Only request adviser follow-up if it would be useful to you.
Frequently asked questions
- What is a mortgage review?
- A mortgage review is a check of your existing loan — the balance, rate, term and structure — against what is available now, to see whether you could pay less interest or be mortgage-free sooner.
- How often should I review my mortgage?
- Most New Zealand homeowners review at least once a year, and always before a fixed term rolls off. A review takes minutes and does not commit you to changing anything.
- Do I have to change banks after a review?
- No. A review often results in repricing with your existing lender, restructuring your split terms, or simply confirming you are already well placed.
- How do I know if refinancing my mortgage is worth it?
- Compare the interest you would pay on your current rate with the interest at the rates available to you now, then weigh that against any break costs, legal fees and cash contributions. Our review does the first part of that comparison for you in a couple of minutes.
- Does refinancing reset my loan term?
- It does not have to. You can keep the remaining term you have now, or keep your repayments the same and shorten the term instead. Our result shows both the interest difference and the possible time off your loan.
- What does it cost to refinance in New Zealand?
- Typical costs are legal fees for the new mortgage, a possible break fee if you are mid fixed term, and a valuation in some cases. Many lenders offer a cash contribution that offsets part of this, which an adviser can confirm for your situation.
- Is this financial advice?
- No. Everything on this site is indicative, general information only. Figures are estimates based on the details you provide and publicly available or supplied rate information, and are not guaranteed. If you need advice, speak with an appropriately licensed financial adviser.
- Will anyone contact me?
- Only if you ask us to. At the end of the calculator you choose whether you would like a mortgage adviser to get in touch, or whether we simply keep your details and let you know later if your position is worth revisiting.
Indicative, not an approval
Your result is a starting point and does not represent a lender decision.
Clear use of your details
We explain consent before any adviser follow-up is requested.
Built for New Zealand
Questions and language are designed around New Zealand mortgage conversations.