Fast, simple and stress‑free refinance
You could receive thousands in cash‑back and better terms.
Curious to see what refinancing could do for you?
Access better rates, unlock cash-back offers, and restructure your loan for faster repayment.
Smart refinancing, simplified
We’ll help you compare lenders, optimise your setup, and make sure your new mortgage works smarter for your goals. With a detailed comparison of all available lender options, we guide you through every step – from application to settlement.
As your partner in smarter home financing, we’re here to help you achieve better terms, lower costs, and more control over your financial future.
Why choose Home Loan Factory for refinancing your mortgage?
Access to the full market of NZ lenders; you’re not limited to your current bank
Transparent, fast, tailored solutions designed around your goals
Over 450 five‑star Google reviews from clients right across NZ
Our advice is free for most clients – see our Fee‑Free Guarantee
What costs do I need to be aware of for my refinance?
Break fee (if you pay off early), lawyer costs, possible claw‑back from lender.
When should I start my refinance process?
We suggest at least 4‑6 weeks before your refix is due — or immediately if you’re locked into a high rate.
What are the benefits of refinancing?
You can receive thousands in cash‑back, consolidate high‑interest debt, access home equity.
Helpful resources for understanding refinancing
