Get the best rate when your fixed term expires

Your fixed rate is ending and the clock is ticking. Do not let your mortgage roll onto a higher floating rate. Finance World reviews the entire market to find you the best refixing deal, whether that means staying with your current lender or making a strategic switch.

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Interest rate analysis and mortgage rate comparison

How our rate review process works

A simple four-step process to ensure you always have the most competitive mortgage rate.

01
01

Rate Expiry Review

We contact you before your fixed rate expires and review your current loan, repayment goals, and financial situation to understand what matters most to you.

02
02

Market Rate Comparison

We compare current fixed and floating rates across our full lender panel, factoring in any special offers, cashback deals, or relationship pricing available to you.

03
03

Structure Recommendation

We recommend the optimal rate structure for your situation, whether that is a single fixed term, a split structure, or a combination with floating or revolving credit.

04
04

Rate Lock & Confirmation

Once you have chosen your preferred option, we handle the paperwork and lock in your new rate. The process is typically completed within a few days.

Why use a broker for your rate review

Your bank will offer you one option. We compare the entire market and negotiate on your behalf to secure the best possible rate.

Proactive Rate Monitoring

We track your fixed rate expiry dates and reach out to you well before they roll off. You will never accidentally end up on a higher floating rate because we have your back.

Negotiate Below Advertised Rates

The rates you see online are not always the best available. We use our lender relationships and volume to negotiate special pricing that is often below advertised rates.

Whole-of-Market View

Your bank will only offer you their rates. We compare every major bank and specialist lender in New Zealand, ensuring you see the full picture before making a decision.

Optimised Loan Structure

Refixing is an opportunity to restructure. We can help you split across terms, set up revolving credit, or adjust repayment frequency to better suit your current situation.

No Break Fee Risk

Because your fixed term has expired, there are no break fees to worry about. This is the ideal time to review your options with zero penalty, whether you stay or switch lenders.

Quick & Easy Process

Refixing with your current lender can be done in as little as 24 hours. Even if switching lenders, we streamline the entire process so it is hassle-free for you.

Frequently asked questions about refixing

Common questions about the refixing process and how we can help you get a better deal.

What happens when my fixed rate expires?
When your fixed rate period ends, your loan automatically rolls onto a floating (variable) rate, which is typically much higher. This is why it is essential to review your options before your fixed term expires. We recommend starting the refixing process at least 6 to 8 weeks before your rate rolls off.
Can I refix with a different lender?
Absolutely. When your fixed rate expires, you are free to switch to another lender if they offer a better deal. This is technically refinancing, but the timing at the end of a fixed period means there are no break fees. We compare all lenders to ensure you get the best outcome, whether that means staying or switching.
Should I fix for one year or longer?
It depends on your view of interest rates and your personal circumstances. Shorter terms (1-2 years) usually offer lower rates and more flexibility, while longer terms (3-5 years) provide certainty. Many borrowers split their loan across multiple terms to balance rate savings with security. We provide guidance based on current market conditions.
What if I want to make extra repayments?
Fixed rate loans typically limit your ability to make extra repayments (usually to 5% of the loan balance per year). If making lump-sum payments is important to you, we can structure a portion of your loan on a floating rate or recommend a revolving credit facility for maximum flexibility.
Is your rate review service free?
Yes, our rate review and refixing service is completely free. Whether you stay with your current lender or switch, we do not charge you directly. We are paid a commission by the lender, so you get expert advice at no cost.

Do not let your rate roll off

Contact Finance World for a free rate review. We will compare your current rate against the market and show you exactly how much you could save by refixing at the right time.

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