Refinance
Switch smarter.
Keep more of your money.
If it’s been a while since you looked at your home loan, there’s a good chance it can work harder. Right now, banks are paying up to 1% cashback to switch — see what that could mean for you.
- Honest break-cost analysis
1%
cashback on offer
to switch
100%
optmised structure
$0
cost to see
where you stand
No surprises
Transparent throughout
More than a rate chase
The real wins often come from how your lending is structured.
“They suggested a restructure idea we’d never thought of — it’s proven to be a brilliant strategy.”
A lower rate is a great start. But splitting loans the right way, using your equity, and timing the move well is where a refinance really pays off. That’s the conversation we want to have.
Why people switch with us
A fresh look at lending that's quietly grown stale
An honest break-cost analysis, so a switch only happens if it genuinely pays
A loan structure refreshed to match where life is now
We refresh your knowledge on how to smartly use home loan products
Our team simplify things across multiple banks for you
Why people switch with us
A simple switch, handled for you
Clarity catch-up
A quick meeting around the options available and a clear benefit analysis.
Application prep & lodgment
We review your paperwork and put in a strong application using our open-banking tools.
Approval & structure review
We clarify further optimisation, refresh how the products work, and negotiate a fair deal.
Implementation & settlement
We coordinate paperwork and settlement, then keep in touch in the years that follow.
Here's what our clients say
Smooth as butter, apparently
“Super excited to be working with Hamish and team. Refinanced my loans with them and the process was smooth as butter.”
Albert
Refinanced his loans
“They bent over backwards to help us secure the best deal for our new mortgage. Transparent throughout the process — we can’t thank them enough. Would highly recommend.”
Matt
Refinanced & saved
“As property investors we’ve had multiple brokers over the years. This was our first time with Hamish’s team and we were really impressed — a restructure idea we’d never thought of has proven brilliant.”
Patrick
Property investor
Worth watching
A few minutes well spent
Ready to go
See where you stand — it's free.
Complete what you have time for on this link and book an initial meeting with one of our mortgage advisers. We’ll tell you straight whether a switch is worth it for you.
No obligation · Honest break-cost analysis · Based in Penrose, Auckland