If you have a fixed rate expiring in the next 6 to 8 weeks, your bank should have provided you with rates in your internet banking. These are the best rates that are available and we’re happy to give you some advice around your situation before you decide which rate is best for you. The actual interest rate itself is sometimes a lot less important than the advice around what to do with the length of time to fix for, repayments and how to structure your loans.
Every person is different so it’s a good idea to check in with your mortgage advisor by sending a screenshot of the rates that your bank has offered you. We’ll then make sure our advice aligns with your situation, whether that be family, income, selling/buying, future plans etc. Once we’ve had a chat, you can simply accept the rate in your internet banking and won’t have to worry about it until it is time to refix again.
If rates are not showing in your internet banking, then let us know and we can request rates directly from the bank for you. From there, we’ll let you know what rates have been offered, give you the best advice and lock in the best rate with the bank.
Get in touch with our team and we’ll make sure you’ve got the perfect advice to meet your goals and to lock in the best rates possible!
If you aren’t sure how to refix your home loan online, the below links for each bank are very informative.
ANZ - https://www.anz.co.nz/personal/home-loans-mortgages/manage/fixed-rate-roll-over/
BNZ - https://www.bnz.co.nz/support/home-loans/managing-your-loan/refixing-your-home-loan-online
Westpac - https://www.westpac.co.nz/help/how-do-i-re-fix-my-home-loan-online/