Refinance Your Mortgage in Tauranga — Reduce Payments, Restructure, or Refix With Confidence
I’m Eddie Biesenbach — Tauranga mortgage broker with 20+ years’ experience helping homeowners refix, restructure, consolidate debt, and unlock equity. I come to you (home/work/after hours) and negotiate the best deal from 15+ lenders so your mortgage actually works for you — not the bank.
Why Refinancing Your Tauranga Mortgage Matters
Most Tauranga homeowners are paying more than they need to — not because rates are high, but because banks don’t tell you when you could be paying less.
Here’s what’s changed in 2025:
• Fixed rates from 2–3 years ago are now rolling onto higher rates
• Many Tauranga homeowners have built huge equity since 2020–2022
• Banks quietly increase rates for existing clients
• Construction and reno lending rules have tightened
• Debt (credit cards, car loans, BNPL) has become more expensive
Your bank will not call you to fix this. I will.
I compare all your options, structure your loan properly, and ensure your repayments are as low as possible without increasing long-term interest unless you choose to.
What I Can Do For You (Refinancing & Restructuring)
Better Rates & Negotiation Power
Banks always reserve their best rates for new customers. I negotiate directly with lender managers to get you the sharpest possible offer.
Fix, Refix, and Structure Review
Should you fix, split, or use an offset? Your structure matters more than the rate. I design a structure that matches your life, not the bank’s template.
Debt Consolidation Into Your Mortgage
Roll multiple debts into one lower-rate home loan and free up cashflow — safely and without increasing lifetime interest unless requested.
Equity Release (Renovations, Investments, Life Events)
Use the equity from your Tauranga home to renovate, buy an investment property, or create a financial buffer.
Non-Bank Options for Complex or Declined Cases
If the bank says “no,” I work with non-bank lenders who understand self-employed income, credit issues, life changes, and cashflow needs.
Ongoing Support
Every year when your rate rolls over, I review your mortgage for free. No bank does that.
Tauranga Case Study — $168 Per Fortnight Saved
Josh & Miriama — Mount Maunganui
Their bank quoted a high refix rate when their fixed term expired. They felt stuck and weren’t sure what options they had.
I reviewed their structure, compared lenders, found them a better rate + cash-back, and switched them to a lender with a more flexible offset account.
Result:
• Saved $168 per fortnight
• Switch completed in 10 days
• No need to negotiate with the bank — I handled it all
• Annual reviews now keep their loan efficient long-term
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?
Best times: end of fixed term, major rate changes, income change, new debt, planning renos, or wanting lower payments.
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 a Mortgage Broker Who Actually Listens
You deserve options. You deserve clarity.
You deserve a mortgage that’s structured to help your life — not the bank’s profit margin.
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.
