Refinance & Save
thousands today.
Is your mortgage rate still stuck from 2–3 years ago? Most Kiwi homeowners are overpaying by $200–$500/month. Finch compares 20+ lenders at no cost to you and handles the entire switch.
Top reasons Kiwis
refinance with Finch.
Get a Lower Rate
Even 0.5% off your rate can save thousands over the life of your loan. We negotiate hard on your behalf.
Fix Coming Off?
Don't roll to the revert rate. We review your loan before your fixed term ends to lock in the best new deal.
Consolidate Debt
Roll high-interest credit cards and personal loans into your mortgage at a much lower rate, reducing monthly payments.
Access Equity
Unlock equity in your home to renovate, invest, or help a family member buy their first home.
Change Loan Structure
Split between fixed and floating, add offset, or switch to interest-only to improve cash flow.
Better Bank Service
Unhappy with your current lender? We move your mortgage to a bank that values you and treats you right.
Refinancing is easier
than you think.
Free Savings Review
Share your current loan details. We instantly estimate how much you could save by refinancing today.
Lender Comparison
We search 20+ lenders and present you with the top 3 options, including rates, cashback deals, and break costs.
Application & Approval
We prepare and lodge the complete application. Most refinance approvals take 3–7 working days.
Seamless Switch
We coordinate with both banks and your solicitor. Your loan transfers without you needing to do anything.
The Strategic Guide to Refinancing Your Mortgage
Refinancing your home loan is one of the most powerful financial levers available to New Zealand homeowners. It is not merely a defensive strategy to secure a lower interest rate when fixed terms expire; it is an offensive maneuver to restructure debt, release trapped equity, and aggressively reduce the total lifespan of your mortgage. In a fluctuating economic climate, complacency costs money. Failing to review your mortgage every two to three years often results in paying a 'loyalty tax' to your current bank, missing out on competitive market offers and substantial cashback incentives.
Debt Consolidation and Cash Flow Optimization
Beyond chasing lower interest rates, refinancing provides a strategic opportunity to consolidate high-interest short-term debt—such as credit cards, personal loans, or vehicle finance—into your primary mortgage. Because home loan rates are significantly lower than unsecured lending rates, this consolidation can instantly improve household cash flow by hundreds of dollars per month. However, it is vital to structurally separate this consolidated debt on a shorter amortization schedule so you do not end up paying for a car over 30 years. Our advisers expertly construct these split-loan facilities to balance immediate cash flow relief with long-term interest minimization.
Breaking Fixed Rates and Cashback Clauses
A common barrier to refinancing is the fear of early repayment adjustments (break fees) if you exit a fixed-term contract prematurely. We conduct comprehensive break-fee analyses to determine if the long-term interest savings outweigh the immediate penalty costs. Furthermore, we negotiate aggressively to secure cash contributions (cashbacks) from your new lender. These cashbacks, typically calculated as a percentage of your total loan amount, can be used to absorb any legal fees or break costs associated with the transition, ensuring that the decision to refinance is immediately financially positive.
Common Questions
Stop overpaying your
mortgage today.
Our free refinance review takes 15 minutes and could uncover savings of $200–$500 per month.