Refix your mortgage, minus the hassle

Typically, mortgage rates are only tied in for short periods from six-months, through to a few years. Then at the end of that period you need to refix your home loan. Sometimes this means an interest rate drop … and sometimes it might mean an increase. For homeowners who don’t feel very comfortable negotiating with their bank, this process can be daunting.

Refixing your home loan doesn’t mean switching banks, although if it makes financial sense to switch, we’re with you every step of the way. The first step in this process will be understanding what your financial aspirations are and then finding a loan structure and financial plan that will help you achieve your goals. 

At Threefold, we have countless years’ experience dealing directly with the banks and our advisers have helped clients navigate scenarios from simple to extremely complex. We work with all the major banks in New Zealand and we also know what provider is offering what rate at any given time, which gives you certainty that you’re getting the best possible deal.

We don’t approach multiple providers and see what sticks; we look at your financial situation and match you with the bank that, from our extensive experience, is ideal for you. We help you figure out if you should fix or float your mortgage and we secure the best rates and conditions possible. 

If Threefold helped you get your initial home loan, refixing it is simple: we’ll have a note in our system to get in touch with you when your mortgage rate is coming up for renewal. After understanding what your current financial objectives are, we can help you navigate the process from start to finish. Great client service is at the heart of everything we do and we are always just a phone call or email away if you need advice.

If you aren’t an existing Threefold client, don’t worry, it’s never too late to start your relationship with us. Simply contact us before it’s time to refix your home loan and we’ll manage the whole process for you.