Is your fixed rate coming up for renewal? That’s the perfect time to review your mortgage and make sure it still fits your goals. Many Tauranga homeowners are surprised by how much they can save just by comparing options instead of automatically accepting the bank’s renewal offer.
At Best Mortgages, we’ll do the research for you—comparing rates and loan structures across major banks and reputable non-bank lenders—so you can make a confident decision with zero stress. One quick chat can uncover smarter ways to manage your home loan, whether that means re-fixing, refinancing, or restructuring for flexibility.
Why review before you re-fix your mortgage
When a fixed term ends, most banks send a renewal letter that looks simple—just tick a new term and carry on. But convenience can cost you. The rate offered might not be the most competitive or the best fit for your cash-flow goals. A short review often finds better options and saves thousands over time.
How we help you renew smarter
- Compare lenders: we check rates and structures across all main banks and over 25 non-bank lenders.
- Tailor your loan: we’ll suggest ways to split lending, mix fixed & floating, or add revolving credit for flexibility.
- Save time: we handle all paperwork and keep you updated so your renewal is quick and hassle-free.
Personalised advice for Tauranga & Bay of Plenty homeowners
Your situation may have changed since you first took out your loan—new income, family changes, or new financial goals. We’ll review your full position and recommend the right structure for where you are now. Our advice is independent, transparent, and backed by more than 25 years in finance.
What it costs
For standard home loans, our service is free—lenders pay us directly. If a specialist lending scenario requires a fee, we’ll always explain that upfront before you proceed.
Ready to explore your options? Book a free mortgage review today and see how a smarter renewal could save you money and stress.
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.
When should I start reviewing my fixed rate renewal?
Ideally 60–90 days before your current term ends. That gives you time to compare offers, consider different structures, and complete paperwork without stress. Even if your renewal letter has arrived, it’s still worth reviewing now—better options are often available.
Do I have to stay with my current bank when I refix?
No. You can stay or switch. We’ll compare your bank’s offer with other lenders so you can see if changing is worth it after cashback or fee differences.
Can I split my home loan across different fixed terms?
Yes. Many borrowers split their lending (for example part 1 year, part 3 years) or mix fixed and floating for flexibility. We’ll help tailor a structure that fits your goals.
What if my situation changed since my last fixed term?
That’s common. We’ll reassess your goals, income, and plans before recommending a structure, and we’ll include reputable non-bank options if they fit better.
Does using a mortgage adviser cost me anything?
Our service is free for standard home loans; lenders usually pay us. If a specialist scenario has a fee, we’ll explain it upfront before you proceed.
