Should I remortgage in New Zealand?

Remortgaging your home is a topic that comes up in conversation often.


By Rohit Ranchhod | Mortgage Broker Waikato | Pay off your Mortgage WAY faster


Usually, we’ll get more calls about this as interest rates get lower, and / or house prices go up.  


The real answer to this question is BORING……

you need to talk to a Mortgage Broker / Mortgage Advisor about this, before you do anything – so get in touch with us HERE.


However – the purpose of this short article is to give you some information and websites, so you can learn a bit more about the idea of remortgaging, and generally saving money and time on your mortgage.


Here are some sites – resources:


Sorted NZ Website:


Consumer NZ article:


Generally, you’ll need to have a conversation with your broker / advisor around the following topics:

  • Household budget
  • Current interest rates
  • Future interest rates
  • Home value
  • Current lifestyle and expenses
  • Time left on current mortgage
  • Exit fees / break fees
  • Legal fees


This may well make sense for you, or it might not.

There really is no better idea than to reach out, and talk to your Mortgage Broker / Advisor.

Some more articles / advice about refinancing / restructuring:

BNZ article

Mortgages NZ Website

Homelegal – legal website:





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