Insurance and Mortgage Advisers
Located in Auckland - Servicing NZ wide 

Insurance and mortgage advisers
Located in Auckland - Servicing NZ wide 

Refixing or refinancing a mortgage

Over the term of a mortgage there are times when you may want or need to refix and/or refinance the loan. It helps to have a knowledgeable mortgage broker on your side and this is where Premium Finance can assist. Contact us to book a time to talk through your refixing or refinancing requirements. This is also an opportune time to check you have the right level of mortgage protection insurance in place.

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In New Zealand mortgage terms are usually anywhere from 6 months to 5 years which means over the lifetime of a 25 to 30 year mortgage, you may choose to refix the loan many times. Of course there is the option to leave the loan floating but the interest rates can often be higher than the fixed options. 

Fixing a mortgage term means you know what the interest rate will be for the length you have fixed for which gives you peace of mind that you know what the monthly or fortnightly payments will be


Refinancing is when you pay out the loan by taking out a new loan with either the same lender or a new lender. You may be refinancing to get a lower interest rate (if the numbers stack up) or you might be borrowing more to do some renovations for example, or you may be paying a lump sum and taking a loan for a smaller amount. 

At this time it is worthwhile looking at whether you fix or float the loan. Premium Finance will do all the hard work based on our consultation with you.

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