Refixing your mortgage can be a crucial step towards achieving financial freedom.

Whether you're looking to change your monthly payments, shorten your loan term, or consolidate debt, our dedicated team is here to guide you through the re-fix process with care and expertise.
Expertise

Refixing Your Mortgage Made Simple

Is your mortgage coming up for renewal? With the right advice, re-fixing your mortgage can provide an opportunity to adjust the structure of your lending to better suit your financial goals.

Typically, mortgage rates are only tied in for short periods, from six-months through to a few years. 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.

At Threefold, we specialise in helping homeowners achieve financial freedom through bespoke advice around your refixing solutions. Whether you're looking to change your monthly payments, shorten your loan term, access equity for investments or renovations, or consolidate debt, our experienced advisers understand the nuances of the mortgage market and will provide tailored advice to ensure you make informed decisions that benefit your financial future.

Interest Rate Insights

Read our latest analysis of what's happening with mortgage interest rates.

Refix Your Mortgage with Confidence

Unsure about refixing? Talk to us. Our free consultation offers insights into how you can optimise your mortgage terms. Contact us to discuss your refixing options and make informed decisions about your financial future.
Welcome to Threefold.

Prioritising your financial well-being

At Threefold, we prioritise your financial well-being. We understand the importance of financial flexibility and securing the best package for your mortgage when re-fixing. We have a dedicated team who specialise in providing advice to our clients around re-fixing, offering advice on:

Who We Work With

We work with New Zealand's leading lenders to find the
right mortgage for you.
We leverage our relationships and knowledge to source the most competitive rates and packages for you, so you can be assured your receiving the best deal.

Our people.

Our team is here to help you every step of the way. Get in touch with our expert mortgage advisers today.
Jonathan has really got me hooked on finances now! I met him 16 yrs ago when I bought my first house. I didn't really want to buy a house because I was enjoying the free and easy life, but my Dad gave me the deposit to buy one and Jonathan helped me get the home loan for it. Now at the age of 49, I am quite financially secure, have a great Kiwisaver plan and am enjoying the freedom that comes with viewing my future as financially stable.
Ben
Wow, honestly can’t explain how much we appreciate the work done on this, sounds like it was a chore and a half!

Thank you for persisting and sorting this for us, it will help relieve that bit of pressure for us the next few weeks.
Heather
Without Jonathan's help, I think I would probably still be working 9-5 and struggling in the rat race that is financial chaos for most people. Thanks Jonathan, you're a real credit to the business.
Ben
I just want to say a massive thank you for all of your help over the last few weeks. You've gone above and beyond and it's really appreciated!
Ali
Jonathan was incredibly helpful getting us into our first home. We couldn’t be happier!
Chris
I love the Threefold team. They helped us to refinance and made the whole thing really simple.
Kate & Mark
We highly recommend the Threefold team. Friendly and reliable.
Elliot
Tania, you made everything so much easier!
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Mortgage Calculator

Mortgage Coming up for Renewal?

Explore your options for refixing your mortgage with a free consultation from Threefold. Understand what rates you can access and what mortgage structure will help you meet your financial goals, faster.
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Chat to Our Expert Team

We’d love to hear from you. Please fill out this form or shoot us an email.
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Level 1, B:Hive Building,
72 Taharoto Road, Takapuna, Auckland, 0622
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