Refix Your Mortgage
Lock in the best rates when your fixed term ends
When your fixed mortgage term is coming to an end, it's the perfect time to review your options. This is your opportunity to secure a better rate, restructure your loan, or switch to a lender that better suits your needs.
Many people simply accept what their bank offers, but there's often a better deal available. Our advisers can compare your options across 27+ lenders and negotiate on your behalf to get you the best possible rate.
We recommend starting the refix process 2-3 months before your fixed term ends. This gives us time to explore options and lock in a good rate before it expires.
How We Can Help
Compare rates from 27+ lenders to find the best deal
Negotiate with your current bank to match or beat competitor rates
Advise on the best loan structure – split rates, terms, and repayment types
No cost to use our service when refixing with your current bank
Handle all the paperwork and negotiations for you
Set up reminders so you never miss a refix date again
Explore if refinancing to a new lender makes sense
Frequently Asked Questions
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What Our Clients Say
“I cannot thank Cindy enough for her incredible support and guidance throughout my journey to secure a loan for my parents’ apartment. Not only is she an expert in her field, but she is also a true friend who genuinely cares about her clients. From the very beginning, she took the time to understand my needs, patiently answered all my questions, and navigated every challenge with professionalism and ease. She went above and beyond at every step—ensuring I had the best possible options, advocating for me, and making what could have been a stressful process feel smooth and manageable. I couldn’t have asked for a better person to guide me through this important milestone. I highly recommend Cindy to anyone in need of a mortgage expert who not only delivers results but does so with kindness, integrity, and a personal touch.”
Lyn Vu
Cindy Huang“I was given Dustin Lindale's contact details from my sister (of which he also provided an amazing service). Start to end, Dustin has been amazing. I work away a lot and Dustin made the process of building a house seamless. From insurance to mortgage structuring, to budgeting Dustin has been amazing. I cannot thank him more for his services. I look forward to working with him in the future.”
Richie Hughes
Dustin Lindale“We are very happy to have Susan to refinance our existing mortgage and apply a new loan. We have tried other agents before, but Susan helped us to solve the problem. She showed great patients and understanding, really recommend Susan as finance advisor.”
Keming Lu
Susan WuReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.