We are a team of expert Financial Advisers that can help you refinance your home loan to secure better terms and rates.
Refinancing is the process of restructuring or replacing your existing mortgage with a new one - it’s like hitting the reset button on your mortgage!
Securing a lower home loan rate, choosing a reduced term or consolidating debt can all contribute to lower mortgage payments or increasing your cashflow. Mortgage refinancing can also release equity in your home loan to invest in another property.
Why Refinance with Properli
Refinancing Loan
Pre-Assessment
We can provide you indicative numbers as a pre-assessment, which is great if you're just looking to understand your options without doing the full application process!
Compare refinancing options and apply with ease
We understand what bank lending criteria is, so we can ensure when we submit your application, it's in good shape to get the best chance of approval.
Switch banks for a Mortgage Cashback
We work with all the major NZ banks and second tier lenders, we can help choose the right bank for you. By switching lenders you might be eligible for a mortgage cashback.
Best refinancing rates &
Debt Consolidation
Whether it's securing lower home loan rate, better terms, or debt consolidation, a smart loan review could set you up for a stronger year ahead.
Refinance Loan and Unlock your Cashback!
A Mortgage Cashback is a lump sum of payment that your bank or lender offers you as an incentive for choosing or switching a home loan with them.
They vary significantly depending on the lender and the size of your mortgage. Typically, they are calculated as a percentage of your mortgage balance, often ranging from 0.8% and 0.9%.
For example, if you have a $500,000 home loan with a 0.8% cashback, you could receive approx $4,000.
Most lenders impose a cap on the cashback incentives they offer, regardless of the total loan amount.
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Don't wait for your review date -
See what you can save today
See what your Mortgage Repayments could be
Use our Repayments Calculator using the latest interest rates to work out what your saving could be.
Don't wait for your bank to
contact you
See if you what savings a new lower home loan rate or reduced mortgage term delivers you.
Got equity in your home, and want to use it to grow your wealth
Using your built up equity to invest in a property is a sound long-term growth strategy. Work out what your options are now.
Fixed, vs variable rates? ...or a combination of both. Which is right for you?
Fixed Rates - Offer stability and peace of mind. Lock in a new rate, benefit from lower mortgage repayments and know what to expect for a fixed period of time. Great for those who prefer predictability and savings.
Floating Rates - Can often be a higher interest rate but provides the most flexibility.
Book time with an Adviser to get a personalised recommendation on your loan term adjustments.
We work with all major NZ banks and best mortgage lenders, to ensure you get the right home loan rates to suit your financial situation and goals.
What our clients say
“The team at Properli have been amazing at helping us secure our first home loan. Incredibly efficient and helpful. Would 100% recommend. Massive shout out to Lisa who was our Adviser - great advice, very organised and helpful.”
Shaun O
“Properli came highly recommended by a friend. Lisa and the team have been fantastic helping me get on the property ladder. Their knowledgeable staff will go above and beyond to guide you through the whole process from beginning to end. Hoping to get their advice again in the future!”
Eukeni U
“My experience was exceptional. They understood that it was my first time purchasing a home and therefore helped me through the necessary steps required to compete the process. They were very organised and clear with instructions or recommendations at all times and always had my best interest at heart. I would go no further then using Properli as my Financial Advisor again and can not recommend them enough.”