What is Mortgage Refinancing?
- Lower your repayments
- Shorten your loan term
- Use the equity for renovations, investments, or achieve big life goals
- Consolidate debt or switch to a more flexible loan structure
- Amend errors in an old loan structure that is not working in your favor
Customised Options
Based on our comprehensive review, we develop tailored refinancing or refixing solutions that align with your unique needs. We create multiple loan scenarios, considering factors like interest rate types, loan terms, and special features. Our team identifies lenders whose products best fit your situation, ensuring you have a range of suitable options to choose from.
Comprehensive Review
We thoroughly analyse your current mortgage, financial goals, and market conditions. Our team examines your existing loan terms, credit profile, income, and expenses. We also explore your short-term and long-term financial objectives, such as reducing monthly payments or accessing equity.
Clear Explanations
We believe in empowering you with knowledge. Our team breaks down complex financial terms into plain English, using visual aids when necessary. We clearly explain the pros and cons of each option, demonstrating how different choices could impact your finances over time.
What is Mortgage Refixing?
Why Choose Fundmaster for Your Refinance or Refix?
Strategies to Pay Off Your Mortgage Faster
When you first take on a mortgage, it can feel like you are binding yourself to a lifelong commitment. But you can cut your debt expense sooner than you think. There has to be some careful planning to achieve a fast repayment. Don’t worry, though; the strategies we are going to propose are easy to execute.
How to Switch Banks With Minimal Paperwork
We make it easy to take advantage of ASB’s new dollar-for-dollar refinance policy — especially if you’ve been with your current bank for over 12 months and want to switch without the paperwork hassle. Here’s how the process works, step by step:
Step 4
Switch With Our Support
What is a dollar-for-dollar refinance?
A dollar-for-dollar refinance means moving your exact home loan balance from one bank to another without increasing your loan amount. This offer allows you to switch without needing full income proof, as long as you meet a few simple conditions. It’s designed to make refinancing quicker and easier for standard borrowers.
Who qualifies for this offer?
This offer is ideal for borrowers with a straightforward loan setup — typically husband-and-wife applicants with no trusts, no top-ups, and no complications. You’ll need to have been with your current bank for at least 12 months and meet basic credit and serviceability criteria. We’ll assess your situation and confirm your eligibility.
Will I need to show full proof of income and expenses?
In most cases, no. One of the main benefits of this offer is that it removes the need for full income and expense documentation if your loan is clean and simple. We’ll ask a few quick questions, and if you qualify, we’ll take care of the rest.
Is this better than cashback?
It depends on your goals. Cashback offers can be appealing upfront, but they often come with conditions or higher rates. Refinance offer focuses on making the switch easier and faster — with fewer hoops to jump through. We’ll walk you through both options to see what works best for you.
What happens after I switch?
Once your refinance is approved, your new Bank loan replaces your existing one. We’ll help you complete the process, explain your new repayments, and make sure everything’s set up properly. Our support doesn’t stop at approval — we’ll make sure you feel confident moving forward.
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