Mortgage Review
Rate Quotes, Conversations, Calculations, Forecasts, Strategy... Have all your options, explained.
A free mortgage review from Blueprint Finance isn't a sales call. It's a clear picture of what you can borrow, from which lenders, at what rates. Based on your actual situation.
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 broker is.
Whether you're refixing, buying, or just curious where you stand, a free review gives you access to the market. Don't limit yourself to the financial products from one lender.
No obligation. No jargon. No hard sell.
Create your own agenda.
The Details
*Complexity and market dependent.
What's Typically Covered?
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:
- 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.
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, it's w
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.
Blueprint Summary
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.
Advice for Every Goal
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For First-Home Buyers
Feeling overwhelmed by the numbers? We'll calculate your true buying power, model your deposit (including KiwiSaver and First Home Grant), and forecast your repayments — so you can start your journey with a clear, confident plan.
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For Home Owners
Want to be smarter with your mortgage? We'll run the numbers on your "what-ifs." Forecast savings from a new structure, model the impact of an offset account, or calculate options for a renovation — all without you switching banks unless it's worth it.
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For Property Investors
Strategic investors need expert calculations. We'll model your entire portfolio, calculate your total LVR, forecast cash flow on a new deal, and compare interest-only vs. P&I structures to support your long-term growth.
Already Know What You Need?
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Coming Up to a Refix?
Your fixed rate is rolling and you want us to negotiate, restructure, or compare a switch.
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Buying Soon?
You're house hunting and want a pre-approval in hand before you make offers.
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Signed an S&P?
You've signed and need finance approved before your deadline.
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Already an Investor?
You've got a portfolio and want a structural review across cash flow, equity, and ownership.