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Fixed rate ending?

Refinance check in under a minute.

Banks can sit quite a way apart on a similar home loan. Worth a look if you're on the dearer side.

About 60 seconds

Step 1 of 6

Which sounds like you?

Tap one to start. No contact details yet.

Not quite any of these?

A referral service. We don't give advice.

Honest and to the point.

Here's exactly what you're signing up for when you tap through the check.

  • Someone to talk toSomeone can get in touch to talk through your options.
  • How we're paidMortgage advisers are usually paid a commission by the lender. If your loan settles, the adviser's business may pay Online Home Loans a referral fee. It is not added to your loan and does not change what you pay.
  • No credit checkEnquiring doesn't touch your credit file.
  • One introductionWe pass your details on once, and the person we refer you to takes it from there.
  • A reply, usually within one working dayBy call, text or email. You choose.
  • No obligationHear what they say, then decide. Or don't.

What happens next

One introduction, usually within one working day

  1. 1TodayTap through a few quick stepsTell us a little about your loan. It takes about 60 seconds and there's no credit check.
  2. 2Usually within one working dayOne person can get in touchThey call, text or email, whichever you picked. Only them, nobody else.
  3. 3When you're readyThey do the legworkThey compare the banks, sort the paperwork and help you switch. Or tell you to stay put. No obligation.

Your options

Pick the one that sounds like you.

  • Lower your interest rate

    If your fixed rate is ending, or you're paying more than today's market, a refinance review can show whether switching bank or lender is worthwhile.

    Lower rate options

  • Cash out equity

    Use your equity for renovations, an investment, or other goals, with someone checking what you can sensibly borrow.

    Cash out equity

  • Consolidate debt

    Roll higher-interest debt into your home loan structure where it makes sense, so repayments are clearer and often lower overall.

    Debt consolidation

Want the overview first? Read how refinancing works in NZ or browse the blog.

Why Kiwis are switching

Plenty of people check what else is out there before their fixed term ends.

Here's why it can be worth a look.

  • Fixed terms endWhen your fixed term is coming up, it's a good time to see what other lenders could offer before you roll over.
  • Rates differRates on similar loans can differ between banks, so it can be worth comparing rather than taking the first offer.
  • Cashback can helpSome banks pay cashback when you switch, though you usually pay it back if you leave within a set time.
  • Less legworkSomeone who can talk through your options can handle much of the comparing and paperwork for you.

General information only.

Fair questions

The stuff people ask before they tap.

How is this paid for?

Mortgage advisers are usually paid a commission by the lender. If your loan settles, the adviser's business may pay Online Home Loans a referral fee. It is not added to your loan and does not change what you pay. Anyone you deal with should tell you how they're paid, and about any fees, before you go ahead.

Will I get a pile of sales calls?

No. We pass your details on once and the person we refer you to takes it from there. If you'd rather not get a call out of the blue, pick "text me first" or "email me first" on the last step.

Does this affect my credit score?

No. Filling this in is not a credit check. If you decide to apply with a bank later, the bank runs one then, and you'll know before it happens.

Won't my bank just match it?

Sometimes. Rates on similar loans can differ between banks, so it can be worth comparing.

What about break fees?

If your fixed term is ending, there's no break fee. When rates have gone up since you fixed, break fees are usually zero too. The person we refer you to checks this before you commit to anything.

Isn't switching a lot of paperwork?

It varies. Whoever you deal with can usually handle much of the paperwork, and some lenders may contribute to legal fees for simple switches.

Who can get in touch?

Someone who can talk through your options. They can get in touch, usually within one working day, the way you asked.

Your fixed rate won't wait. This takes a minute.

Four taps, a few details, then one person takes it from there.