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
“It was lovely working with Cindy, she made the whole process so easy. My partner and I are happily in our first home and we're so grateful that we had a mortgage advisor who was helpful and there with us throughout the journey. Thank you Cindy!”
Kuna Santhrasergaran
Cindy Huang“Dustin was great to deal with and very quick with responses as best he could.”
Gagandeep Singh
Dustin Lindale“I had an amazingly easy and smooth loan top up experience assisted by Brett and his team. Brett was professional, responsive, and made our tight timeframes possible. He was patient with us and his communication throughout was constant so we were never left in the dark. Brett genuinely wanted to help us and get the best possible deal from the bank. He also went out of his way when there was a slight hiccup at the bank which resulted in a little bonus we had not expected when first applied for our top up. We will be using Brett and is team for all our loan related needs in the future and I highly recommend him to all my friends and family. Thanks again!”
Sheryl Ali
Brett DaviesReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.