Rates are changing, and banks pay real cash incentives to win good borrowers. Find out in about 40 seconds whether you should stay, switch, refix or restructure.
Quick check
Not all three? Take the quiz anyway. Plenty of our clients started as "not sure I qualify" and still walked away better off.
Real Google reviews
"We had a brilliant experience with Nathan and his team. Refinanced with a new bank and got a nice cash injection. I was skeptical about changing banks but the process was so easy and seamless."
Orla Carroll"Nathan walked us through our options, explained everything clearly, and helped us lock in a great rate. The whole process was smooth, transparent, fast, and efficient."
Pokia Kitara"Excellent service and went above and beyond to get my mortgage sorted in a short period of time. Great communication keeping me up to date. Highly recommend."
Sharon HoyneYour adviser
Personal Finance Strategist, helping Kiwis master their mortgages and achieve financial independence faster.
Let's discover together whether you should stick with your current lender or refinance for potential savings. For standard residential refinances we charge no fees; we're paid by the banks.
Nathan Morgan-French
Licensed Financial Adviser & Personal Finance Strategist
How it works
Answer a few quick questions so we understand your situation.
We review your answers and talk through what you could qualify for. No obligation to proceed.
Nathan helps you compare staying, switching, refixing or restructuring, and handles the legwork if you move.