Mortgages
Refixing Refinancing
Because not everything stays the same.
The biggest mistake Kiwis make when it comes to mortgages is choosing a lender by familiarity and not shopping around for the best deal. The wrong mortgage structure could mean you end up paying hundreds of thousands more over its lifespan.
Because not everything stays the same.
The biggest mistake Kiwis make when it comes to mortgages is choosing a lender by familiarity and not shopping around for the best deal. The wrong mortgage structure could mean you end up paying hundreds of thousands more over its lifespan.
Refixing
Most homeowners set their mortgage rate for a fixed term on a rolling basis and do not challenge the lender rates or adapt their mortgage to their changing needs.
Do you know that you can you refix your mortgage so you can take advantage of the market movements and reduce your current rates?
Refixing your mortgage can be complicated, time-consuming and frustrating if you don’t know the market. A Haven mortgage adviser can talk you through the process and help you understand whether it’s beneficial for you to continue on your current structure or to refix or refinance.
Refixing
Most homeowners set their mortgage rate for a fixed term on a rolling basis and do not challenge the lender rates or adapt their mortgage to their changing needs.
Do you know that you can you refix your mortgage so you can take advantage of the market movements and reduce your current rates?
Refixing your mortgage can be complicated, time-consuming and frustrating if you don’t know the market. A Haven mortgage adviser can talk you through the process and help you understand whether it’s beneficial for you to continue on your current structure or to refix or refinance.
Refinance
Things change and what may have been right for you five years ago could be delaying the mortgage freedom you’ve been working towards. The welcoming of new kids or the exit of older ones, retirement, or even purchasing a new property will affect your mortgage repayments.
Do you know that you can move your mortgage from your current lender and renegotiate the terms to save you money? A Haven adviser can assess your current situation and arm you with the knowledge to get you debt free faster.
A Haven adviser can do all the research and hard work for you, we don’t get distracted by the free TVs and cash-back incentives, we recommend what is good for you now and in the long term.
If you would like to stick with your current lender, Haven may be able to find a way to restructure your home loan to fit your lifestyle.
Talk to one of our advisers today and see how we can help you
