Your Fixed Rate Is Coming Up — Don't Just Accept the Rollover
Banks automatically refix your rate when your term ends — often not at their best rate. We compare your bank's offer against ANZ, ASB, BNZ, Co-operative Bank and a wide panel of non-bank lenders before you sign.
How a rate review works
Three simple steps — no obligation to switch.
Tell us about your current loan
Lender, balance, current rate, expiry date and whether you've made any structural changes you'd like to consider.
We compare refix vs switch
We negotiate with your existing bank and benchmark against ANZ, ASB, BNZ, Co-operative Bank and our non-bank lender panel — including a break-fee calculation if you're considering switching mid-term.
You choose what's best
Stay and refix at a negotiated rate, or switch lender and pocket the savings. Either way you get the numbers in plain English.
When to review your rate
- Your fixed rate expires in the next 3 months
- Interest rates have fallen since you last fixed
- You want to split your loan (part fixed, part floating)
- You want to add an offset or revolving credit facility
- Your income or equity position has improved
Run the numbers
See how much difference a 0.25% rate change makes over the life of your loan.
Related Calculators
Plan your finances with our free tools
Frequently Asked Questions
Get a Free Rate Review — Book a 15-Min Call
No obligation. If staying with your bank is best, we'll tell you.
