Explore your refinancing options.
Are you considering refinancing your home loan? Perhaps you're unhappy with your current bank, want a better lending structure, need to access equity, or simply want to see what other options are available.
Whatever your reason, I can review your current mortgage and compare the refinancing options available to you. As a Christchurch mortgage adviser, I work for you, not the bank.
Why refinance your mortgage?
There are many reasons homeowners decide to refinance, including:
Getting a more competitive interest rate
Reducing your mortgage repayments
Accessing equity in your home
Consolidating higher-interest debt
Borrowing for renovations, a car or other expenses
Changing your loan term or structure
Moving to a lender that better suits your circumstances
Taking advantage of a competitive cashback offer
Refinancing isn't simply about finding the lowest interest rate. Fees, cashback, loan structure and your future plans all need to be considered.
Your existing bank may be perfectly suitable, but that doesn't mean you shouldn't know what other lenders can offer.
I'll look at your current mortgage, understand what you're trying to achieve and compare the options available. If refinancing doesn't provide a worthwhile benefit, I'll tell you. If moving your mortgage could put you in a better position, I'll manage the process for you.
How does mortgage refinancing work?
We talk – We discuss your current mortgage and what you want to achieve.
I review your situation – I gather the information needed to understand your current lending position.
I compare your options – I look at the available lenders, rates and loan structures.
We apply – If refinancing makes sense, I manage the application and deal with the bank.
Settlement – Your solicitor arranges the discharge of your existing mortgage and settlement of the new loan.
Done – Your new mortgage is in place and I have handled the process for you.
Thinking about refinancing?
If you're considering refinancing your mortgage in Christchurch, I can help you understand your options. I'll review your current position, explain what may be available and help you work out whether refinancing could be worthwhile.
Book a Mortgage Refinancing Appointment with Martin Today
Every bank treats mortgages differently. If you're looking for a better deal or want to see what other options are available, let's talk.
I have accreditation with all the major banks, as well as specialist lenders, giving me access to a wide range of refinancing options. Best of all, my service is 100% free to you.
Mortgage Refinancing FAQs
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Mortgage refinancing means moving your existing home loan to a new lender or restructuring your lending to better suit your current circumstances.
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You may be able to reduce your interest costs, lower repayments, access equity, consolidate debt or find a loan structure that better suits your needs.
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Yes. I can compare the lending options available from different banks and help you through the process of moving your mortgage.
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There can be costs involved, such as legal fees or break costs, depending on your current mortgage. I'll help you understand the costs and whether refinancing is worthwhile.
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The best way is to review your current mortgage and compare it with the options available.
Talk to Martin at Mortgage Group and let’s work it out together.