Refixing
Fixed term ending — what next?
The rate your bank emails you is rarely the best they'd give you. We negotiate, model terms, and split your loan when it makes sense.
Written by Gareth King · Last updated May 2026
Talk to us
Who this is for
You've got a fixed term ending soon.
Most NZ home loans are fixed for 1–5 years. Every time the term ends you have a decision: which rate, which term, with which structure. Most people just click the bank's auto-offer because life is busy. That's where we come in.
How it works
Three steps. We do most of them.
01
Get in touch early
35–60 days before your fixed term ends. That gives the bank time to price properly and us time to negotiate. The auto-rollover offer most banks send a week before expiry is rarely their best.
02
We negotiate
Different banks discount differently for different customers. We know what to ask for and how to phrase it.
03
Pick the term
We'll talk you through the tradeoff between term length, certainty, and likely rate moves. You decide.
FAQs
Common refixing questions.
60 days out is the right time
Send us your loan details. We'll come back with options.
Free to ask. Free to refix. The only thing it costs you is the email.
