Coming Up for Refix? Let’s Make Sure It’s Still Right
Refixing is more than choosing a rate. We review your structure, repayments and future plans to make sure your mortgage still works for you.
Why Refixing Matters
Refixing your mortgage is more than just choosing a new interest rate - it’s a key opportunity to reassess whether your loan is still working for you. As your life changes, so should your mortgage. Income, expenses, savings, family plans, and long-term goals all play a role in how your loan should be structured. Too often, people roll onto a new rate without reviewing their setup, potentially paying more interest than necessary or missing chances to pay off their loan faster. A well-timed refix allows you to adjust your loan structure, explore options like offsets or revolving credit, reduce interest costs, and align your repayments with where you’re heading - not just where you’ve been. With the right advice, refixing can be a powerful step toward greater financial confidence and long-term freedom.
How We Help at Refix Time
When your fixed rate is coming up for renewal, we take a step back and look at the full picture - not just the new rate on offer. We start by reviewing your current loan structure, interest rates, and repayments to understand exactly how your mortgage is performing today. From there, we check whether your setup still aligns with your goals, whether that’s paying your loan off faster, freeing up cash flow, or building flexibility for future plans.
We then compare rates and options across a wide panel of lenders, not just your existing bank, to ensure you’re seeing what’s genuinely available in the market. If changes could improve your position, we’ll explain the options clearly and help restructure your loan where it makes sense. And if you’re already on the right track, we’ll confirm that too - giving you confidence that your mortgage is working as hard as it should.
Recent Client Wins
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Client: Homeowners with an existing mortgage
Goal: Be debt-free by age 50The Scenario
These homeowners were approaching a mortgage refix and wanted to use the opportunity to get serious about their long-term goal: becoming completely debt-free within three years.
They had built up savings across several accounts, but weren’t sure how to use those funds effectively without losing access to their money or creating financial pressure.
Our Approach
We completed a full review of their mortgage structure, interest rates, repayment levels, and savings position. We also talked through their comfort level with different repayment options and how much flexibility they wanted to maintain while accelerating progress toward their goal.
From there, we assessed whether an offset or revolving credit structure would allow their savings to actively reduce interest while still remaining accessible.
The Solution
We restructured their lending to include an offset/revolving facility, with the remaining balance placed on a fixed rate for certainty. This allowed their savings to work harder against their mortgage, reduced interest costs, and maintained day-to-day flexibility.
The Result
They are now confidently on track to be debt-free within three years, shaving more than nine years off their original mortgage term and significantly reducing overall interest costs — all without putting strain on their everyday finances.
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Client: Homeowners with an existing mortgage
Goal: To reduce repayments and create more financial breathing roomThe Scenario
The clients had owned their home for several years and were approaching the end of a fixed-rate term. With cost-of-living pressures increasing, they were concerned about what higher interest rates might mean for their weekly repayments.
They weren’t sure whether to simply refix with their current bank or explore other options, and wanted clarity on whether their mortgage was still structured in the best way for their situation.
Our Approach
We reviewed their existing loan structure, current interest rates, and repayment amounts, alongside their income and day-to-day expenses. During our conversation, we discussed their short- and long-term goals, including maintaining flexibility and avoiding unnecessary financial stress.
We then compared refixing options across a range of lenders and looked at whether splitting the loan or adjusting the fixed terms could provide better balance between certainty and flexibility.
The Solution
We restructured their mortgage into a split-loan setup, fixing portions of the loan across different terms. This helped smooth out future rate changes while keeping repayments manageable. By securing competitive rates and adjusting the structure, we were able to reduce their weekly repayments and give them greater confidence moving forward.
The Result
The clients refixed their mortgage with a structure that better suited their lifestyle and budget. They now have lower repayments, more flexibility, and peace of mind knowing their loan has been reviewed and intentionally structured — not just rolled over by default.