⭐️⭐️⭐️⭐️⭐️ 120 Google Reviews • Helping kiwis be better with money
Have a $500K+ Mortgage?
Banks are fighting for your business. Most home owners refix in their banks app, without a second thought to getting a better deal.
That's where we come in...
Fill out the form below and let's see what rates and cashback deals you can get:
As featured on:
How much might your bank charge you to break your mortgage?
When you fix, the bank counts on keeping you for the whole term, and if you leave early they can charge you for what they reckon they're missing out on. Pop in your details and we can show you roughly what that may look like, and what you could get back from a new bank.
Not sure? Most people have one. If your loan is in one lump, leave it at 1.
Your estimated total cost to leave
$0
Now let's see what you could get back
A new bank can often pay you a cashback to win your business, and in some cases it may cover this break fee and then some. Let's find out how much cashback you could get, even with this fee on the table.
Find out my cashback optionsWhat clients say about us
Josh, Leanne and the team at Money Men were so wonderful to work with.
We have just bought our first home and they made the process so much more understandable and were there every step of the way.
Can't recommend The Money Men enough.
J Beales
I would highly recommend Leanne, Josh and the Money Men team. I have had the privilege of using them for insurance and lending, and they have been phenomenal in their customer service and outcomes.
We had some stressful situations occur during our last property purchase. Leanne and the team went above and beyond to make things as stress-free as possible! I have referred friends and family to the Money Men and will continue to do so in the years to come.
D Van Den Berg
Frequently Asked Questions
What actually is refinancing?
Refinancing is just swapping your current home loan for a new one. Sometimes that means moving banks. Sometimes it means restructuring with the same lender. The goal is simple. Get a setup that works better for where you’re at now.
Why would I refinance my mortgage?
Life changes. Rates change. Your income changes. Your plans change. If your loan hasn’t changed with you, it might not be the right fit anymore. Refinancing can help lower interest costs, free up cash flow, or unlock equity for renovations or other goals.
Is refinancing worth it?
Sometimes yes. Sometimes no. It depends on the numbers. There can be costs like break fees or legal fees, so the real question is whether the overall move puts you in a better position. We’ll tell you straight if it stacks up or if you’re better off staying put.
Can I refinance if I’m locked into a fixed rate?
You can, but there may be break costs. The key is understanding what those costs are and whether the potential savings outweigh them. We run the maths so you can make a clear decision.
How hard is the process?
It’s similar to applying for a new loan. Lenders look at your income, expenses and equity. The difference is you’ve already been through it once, so it usually feels more familiar. We handle the heavy lifting and keep it simple.
Shop around and get a better deal
Most Kiwi's won't bother trying to get better deals and trust that what their bank offers them are the best rates. This isn't always true.
Many banks offer great deals and cashback offers, see if you qualify and what you can receive by clicking the button below:
