Mortgages

Refixing Your Mortgage

When your fixed rate nears renewal, most just accept the bank’s offer—leaving money on the table. Refixing lets you reassess your mortgage, boost cashflow, pay off your loan faster, and align it with your goals.

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Don’t Just Roll Over — Make It Work for You

When your fixed rate is coming up for renewal, it is one of the best opportunities to improve your mortgage.

Most people simply accept the bank’s offer.

That is where money gets left on the table.

To find out more about how Kiwi Mortgages can help, please get in touch with us today.

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It’s More Than Just Picking a Rate

Refixing is your chance to reassess your entire loan — not just the interest rate.

We help you decide:

• Whether to fix short or long term
• How to balance certainty vs flexibility
• Whether to split your loan across multiple rates
• If there is a better overall structure available

The right move now can make a big difference over the next few years.

What Are You Trying to Achieve?

Every refix should be tied to a goal.

You might want to:

• Improve cashflow and reduce repayments
• Pay your loan off faster
• Lock in certainty with a longer-term rate
• Free up funds for other plans

We help you weigh up the options and choose what actually fits your situation.

Avoid the Set-and-Forget Trap

Banks will often offer a quick, easy refix.

But easy does not always mean optimal.

We take a step back, look at the bigger picture, and make sure your decision is working for you — not just convenient.

Ready to Refix the Right Way?

If your fixed rate is coming up, now is the time to review your options.

We will show you:

• What rates are available
• What strategy makes the most sense
• How to structure your loan moving forward

‍Get in touch with Kiwi Mortgages and make your next refix count.

Frequently Asked Questions

When should I refix my mortgage?

You should start reviewing your options 30–60 days before your fixed rate expires.

Should I fix short-term or long-term?

It depends on your goals and market conditions. Short-term offers flexibility, while long-term provides certainty.

Can I split my mortgage when refixing?

Yes. Many people split their loan across different fixed terms to balance risk and flexibility.

Do I have to stay with the same bank when refixing?

No. You can also review refinancing options with other lenders at this time.

What happens if I do nothing when my rate expires?

Your loan will usually roll onto a floating rate, which is often higher than fixed rates.