Refinancing is restructuring or replacing your existing mortgage with a new one - it’s like hitting the reset button on your mortgage! By securing a new rate, choosing a reduced term or consolidating debt can all contribute to lower monthly payments, increasing your cashflow or access equity to invest in another property.
Refinance 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.


Fixed, floating or a perfect combination? Which is right for you?
With recent OCR cuts and interest rates dropping at major NZ lenders, it's the perfect time to consider your loan options. But should you choose a fixed rate or floating rate?
Fixed Rates - Offer stability and peace of mind. Lock in a new rate, benefit from lower 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.
Get in touch with us today to get a personalised recommendation on how you should structure your loan.
We work with all major NZ banks and non-bank Lenders, to ensure you get the right loan and rates to suit your financial situation and goals.
Loan Pre-Assessment
to Save You Time
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!
Apply for Refinancing 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.
Secure Better Rates & Consolidate Your Debt
Whether it's securing better rates, terms, or consolidating debt, a smart loan review could set you up for a stronger year ahead.
What our clients are saying
“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.”