APPLY NOW
keyboard_backspace
Our Service

Get quality advice today
Here's how..

We're here to help. If you would like to get underway today, just click the relevant link below or Free Call Us on 0800 466 784
01
Refinancing or Refixing

Could you be saving thousands on your mortgage?

Once you have set up your mortgage with regular automatic payments being made, it can be easy to forget about it. It is important however, to regularly review and assess it over time to make sure it is working as effectively as possible as lifestyle or market interest rate changes affect your mortgage needs. Some of these changes may include:

-Finding a more competitive interest rate

-Accessing equity in your property

-Paying off your loan faster

-Consolidating debt

-Starting a family, and possibly reducing income

- Moving from a fixed to variable home loan rate or visa versa

There are a vast array of choices being offered by banks and other lenders in order for you to take out finance with them such as cash backs, limited time interest rates, gifts or even holidays! As enticing as such offers may seem, it is important you take a step back to consider the most important factors in determining how much it will cost you in the long term such as interest rates and the structure of your mortgage.

The interest rate is obviously an important factor in your decision. Even just a small reduction in your interest rate can add up to tens of thousands of dollars saved over the lifetime of your mortgage. However, the loan with the best interest rate is not necessarily the best option and over the long term may actually cost you more.

It is also important to also consider the structure of the loan in determining how much you pay in the long term. This will involve decisions about whether you have your mortgage on a floating rate, have a revolving credit account; use a fixed rate, a capped rate or an offset mortgage.  Or maybe you would be better with a combination of these. Whilst having this range of options can help ensure that you get a mortgage to suit, it can also be confusing! That is where a mortgage adviser can help.

How can a Mortgage Link Adviser help?

With so many options out there, how do you know if you are getting the best deal? Your bank or other lender may know a lot about their own offers but a Mortgage Link adviser deals with a range of banks and lenders. This means they are able to not only compare interest rates across all options, but they will also consider the fees/break costs, any cash incentives offered and flexibility of the loan. They can then help you do the sums, look at the long term benefits against the actual costs and help you work out if it’s a good time to refinance your mortgage.

Get in touch with a Mortgage Link Adviser today to check and see if your mortgage is performing its best. You may end up saving thousands of dollars in interest, allowing you to pay off your loan faster. Remember it costs nothing to talk to us, so you have nothing to lose!

ADVISER SEARCHER

Quality Mortgage Advisers across New Zealand.

Select your region
arrow_drop_down
OTHER SERVICES

First Home

We  are here to  help  you  every  step  of  the  way!
Find out more

Next Home

Time to move onto your next property?
Find out more

Investment Loans

There are a lot of things you need to know when you are considering purchasing a rental property or building a property portfolio.
Find out more

Renovations

Thinking about borrowing to renovate your home?
Find out more

Holiday Homes

Dreaming of owning your own holiday home? There are some things you need to know before you embrace the Kiwi Dream…
Find out more

Building

There are numerous benefits to building a house rather than buying an existing property…
Find out more

Commercial

We are here to help you achieve your business growth goals!
Find out more

Equity Release

Looking to use the equity in your home to help fund your retirement?
Find out more