Refinance Your Mortgage
Restructure, refix, or reduce — let’s review your loan and make your money work harder.
Why This Matters
Refinancing isn’t just about chasing a lower rate — it’s about making sure your home loan still fits your life. Tauranga’s property market has shifted. Interest rates have changed. You might have built equity, changed income, started a business, or just want to free up cash. Yet many people stay locked into outdated loan structures that cost them thousands in interest or repayments they don’t need to carry.
That’s where we come in. At Best Mortgages, we review your current loan setup and compare it against what’s available across 15+ lenders — banks and non-banks alike. Whether it’s refixing before rates go up again, consolidating debt into your home loan, restructuring to reduce pressure, or accessing equity for renovations or investments — refinancing gives you control. And we make it painless, fast, and tailored to your goals. One quick review could literally save you thousands over the life of your mortgage.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Local Client Story
Josh and Miriama owned a home in Mount Maunganui with a fixed rate due to expire. Their bank offered a new rate — but it felt high. We reviewed their setup, showed them better options, and helped them refinance with a different lender offering sharper terms, a cash-back bonus, and a more flexible offset facility. They now pay $168 less per fortnight and have the option to make lump-sum payments penalty-free. The entire switch took 10 days — and they didn’t have to negotiate with a bank once.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We calculate what your home’s worth today and explore refinance options based on real numbers.
We compare lenders, structure the right loan, and explain everything clearly.
We compare your current setup against 15+ lenders to see if a better deal or structure exists.
We handle the bank conversations, paperwork, and timing — you stay informed, we do the heavy lifting.
Your Questions, Answered
When should I refinance my mortgage?
Good times to refinance: your fixed rate is ending, your income has changed, you want to consolidate debt, access equity, or lower repayments. We’ll help you assess timing.
Can I refinance even if rates have gone up?
Yes — it’s not always about the rate. Restructuring your term, consolidating debts, or getting more flexible terms can still save you money or reduce pressure.
What does refinancing cost?
Sometimes nothing — and sometimes a few small fees (e.g. discharge, legal). We’ll explain exactly what’s involved and ensure the benefits outweigh the costs.
Will my current bank match a better offer?
Maybe — but they often only sharpen the deal when you show them alternatives. We can do this for you without confrontation or pressure.
Can I refinance if I’ve had a drop in income or credit issues?
Yes — we work with non-bank lenders who offer more flexibility than the big banks. We’ll explore options to fit your current situation.
Talk to Someone Who Actually Listens.
Real answers. No pressure. 100% free expert guidance to get you sorted.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
