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
“Johnny and his assistant Peach were both incredibly helpful throughout our home buying journey. As first-home buyers, we really appreciated their clear guidance, patience, and responsiveness. They made the whole mortgage process much easier and less stressful for us. We felt well supported every step of the way and would highly recommend their services.”
Joanna Lao
Johnny Angkiriwang“Matthew made our first home buying process a breeze. He listened and gave well informed information to support us by getting our finances sorted and having a plan with us. He was always very communicative and went above and beyond when dealing with us. He also had a great network referral that put our mind to ease and made the journey a breeze. Highly recommend his service and you will not be disappointed just trust the process and Matt and the outcome homeowners!!! Thank you Matt and Mortgage Lab.”
Lulu & Rob Samisoni
Matthew Grace“We really appreciate Josie’s work ethic and patience with our first home purchase journey. She was very responsive and communicative (literally responds to questions within minutes even past 10pm), and would do everything to make us reassured that we’re on the right track. We’re thankful and highly recommend her to anyone purchasing their property.”
Monica O
Jocelynnda CoronadoReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.