Mortgages with JJRefinance
Coming off a fixed term? Make sure you’re not overpaying.
Rate reviews, cashback offers, structure rebuilds, and break-fee maths. If you have not reviewed your loan in two years, you are probably overpaying.
Is this you?
Sound familiar?
- Coming off a fixed rate and want to know your real options
- Feeling the squeeze on repayments and want them restructured
- Curious what cashback offers are actually worth
- Not sure whether breaking a fixed term early makes sense
How I help
From first chat to funded deal.
1
Free consultation
30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.
2
Strategy & lender match
I compare your situation across the lender panel, structure the deal, and recommend the best path.
3
Application & approval
I prepare and submit your application, manage the lender conversation, and chase down approvals.
4
Settlement & ongoing review
Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.
Getting ready
What you'll need.
What to have ready
- Your current loan statement
- Details of your fixed-rate expiry date
- Recent payslips
- A rough sense of your property’s current value
What we work through
- Whether your current lender or a new one offers the better deal
- Break-fee costs versus the savings from switching now
- Whether a restructure (not just a new rate) solves the real problem
- Cashback offers versus the total cost over the fixed term
Common questions
Questions about refinance.
Should I go to my bank or use a mortgage adviser?
A bank only offers its own products. I compare 25+ bank and non-bank lenders and manage the whole application — and in most cases there is no fee to you.
Is it worth breaking my fixed term early?
Sometimes — it depends on the break fee versus what you would save on a lower rate for the remaining term. I work through the actual numbers with you rather than guessing.
What documents will I need to apply?
Usually your current loan statement, recent payslips, and a few months of bank statements. I give you a clear checklist upfront.
Should I fix or float — and for how long?
It depends on how much certainty you want and what is ahead for you. Most New Zealand home loans use a mix of fixed and floating rather than all-or-nothing. I talk through the structure that suits your plans.
Ready for a no-pressure conversation?
30 minutes. No cost. No obligation. Just a clear answer on what is possible and what to do next.