Mortgage & Equity Strategy · For existing home owners
All your mortgage options. Explained.
Rate quotes, calculations, forecasts and a plain-language recommendation — across 20+ lenders. One conversation shows you more than your bank can.
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When did someone last actually work out how fast you could pay off your mortgage?
Not just your interest rate. Your income, your monthly surplus, your savings, your mortgage structure, your remaining term, your equity. Because having 24 years left doesn't mean it needs to take 24 years.
In a mortgage review, we map your position and show you what your mortgage could look like with your cash flow, savings and lending structured differently. We also look at your usable equity, your current bank, your rates, and any cashback opportunities you're not using.
Most Kiwi only ever talk to one lender: their dad's bank. Banks aren't incentivised to tell you when a competitor has a better deal. Your adviser is.
No generic calculator. Your numbers. Your mortgage. Your options.
The Details
What's Covered in a Mortgage Review?
We don't just compare today's headline rate. A review covers the things that actually shape what you'll pay over the next three to five years and beyond:
- Current loan audit — your rate, structure, and term remaining.
- Cross-lender comparison — where the Big 4, challenger banks, and non-bank lenders sit right now, including any cash contribution offers.
- Structure review — whether revolving credit, offset, or split fixing would change what you actually pay.
- Rate modelling — your average rate over a 3-5 year window, not just the rate you fix at today.
- Plain-language recommendation — refix, restructure, refinance, or hold. We explain why, not just what.
We do the calculations. You make the call.
Not ready for a full review? Start with the 15 minutes.
No prep needed. We'll tell you straight whether a review is worth your time.
What a restructure can look like
The same mortgage and the same money, arranged differently. Example: a $500,000 loan over 25 years at an illustrative 5.49% p.a., with $20,000 of savings put to work and an extra $100 a month.
| Today | Restructured | |
|---|---|---|
| Loan | $500,000 over 25 years | $500,000 over 25 years |
| Structure | All fixed, P&I | Fixed + revolving credit / offset |
| Savings | $20,000 sitting in the bank | $20,000 offsetting the loan balance |
| Repayments | $3,067 / month | $3,067 + $100 / month |
| Mortgage-free in | 25 years | ~22 years |
| Total interest | ≈ $420,000 | ≈ $340,000 |
≈ $80,000 less interest
Mortgage-free about three years sooner, without earning a dollar more. A review builds this table with your numbers.
Example only. Assumes an illustrative 5.49% p.a. rate held flat for comparison, the same minimum repayments, and the offset staying in place. Actual rates, structures, and results depend on your situation and lender criteria.
Sixty-second mortgage answers
Three questions we hear every week — answered by an adviser, with the numbers on screen.
What Happens When You Book a Review
We've designed this process to take you from "what if?" to "what's next?" — without pressure, without surprises, and without cost.
Q&A Session
It all starts with a conversation. We answer your questions and ask a few of our own, so the modelling starts from your real situation.
Scenario Modelling
This is where our advisers act as your personal financial forecaster. We run the calculations on your "what-ifs" — extra repayments, offset accounts, breaking a fixed rate, unlocking equity, switching lenders.
Strategy Workshop
We walk you through different mortgage structures and options side-by-side. Fixed vs. floating, interest-only vs. P&I, single bank vs. switching — with the numbers on the screen.
Your Financial Blueprint
You receive a clear summary of our advice and recommended next steps, tailored to your situation. Refix, restructure, refinance, or hold — we tell you what we'd do if it were ours.
Decision Support
You decide. We give you everything you need to make the call — including the option to do nothing for now. No follow-up pressure if the timing isn't right.
That's the whole process. Ready when you are.
1-2 meetings. You make the call.
Prefer to run your own numbers first? Check how much you could borrow or grab a downloadable Excel calculator and estimate at your own pace — then book when you're ready.