We can handle the heavy lifting of shopping around, comparing rates and offers from a wide range of lenders. We can also approach your bank to negotiate a competitive rate on your behalf.
Refinancing & Refixing
Refinancing and refixing can be a way to explore freeing up funds, consolidating debt, or identifying potential savings on your mortgage. Find out if refinancing is an appropriate move for you by talking to one of our advisers.
Help for refinancing your home
Interest rate review
If interest rates have changed, we can help you review your current rate and compare available options.
Changing repayment type
Reviewing repayment types, such as principal and interest or interest-only, can help you understand different cash flow implications.
Debt consolidation
Consolidating any existing debts into home lending, where appropriate, aiming to streamline your repayments.
Loan term changes
Reviewing loan terms, such as shortening or extending the loan period, to understand how this may affect repayments and the overall loan.
How we work with you
We work with you throughout the refinancing process, including refixing and restructuring. We’ll help you understand your options so that you can make informed decisions every step of the way.
Finding you a competitive rate
Reviewing your loan structure
Before refinancing, it’s important to consider more than just interest rates. Loan structure, flexibility, and features can all affect how your mortgage works over time.
We can review your existing lending and help you understand any alternative structures or features that may be available to you.
Ongoing mortgage review
Your mortgage should evolve with your life goals. If you’ve undergone a major life change, we can work with you to align your mortgage structure with your new circumstances.
If needed, we can connect you with our financial planning, investment and insurance advisers for a 360-degree approach to your finances.
WHO WE WORK WITH
Hear what our clients are saying
We recently had FoxPlan’s help to secure our mortgage. The team were really helpful, knowledgeable and got us some competitive rates. Most importantly the team was really responsive and kept us really well informed. We felt like we were in safe hands. Highly recommend FoxPlan to anyone who’s wanting to take some of the stress out of buying a home.
— Sohini Morrison
Excellent service. I've had several financial advisors and FoxPlan are the only ones to engage in planning with me. We've set proper goals and measurements. Rather than taking my money and tossing me a cookie cutter plan. Can't recommend FoxPlan enough.
— Excelsior
We are so grateful to Stephan for sharing his passion of helping others to realise their life goals. We really appreciate his skill, patience and humour while providing invaluable guidance and clarity in regard to our finances, investments, insurance. We would have been lost without him. Highly recommended.
— Markus Giess
We received fantastic service from Foxplan, they have very efficient and smart team, they took care of the end to end process of arranging finance for our new home in the best possible rates in the market followed by a very efficient repayment plan that suites our goal. They also helped us with other products like insurance, kiwisaver etc and made sure that we were getting maximum benefit for our investments.
— Tarun Acharya
I am a first home buyer, I had no clue of the process of buying a house in Wellington and what it involves, Divya explained everything and worked so hard in finding me an affordable mortgage. I am extremely grateful to her. Divya provided updates on the progression of my mortgage application. I would highly recommend her, specially because of her responsiveness!
— Vishu Pise
Stephan and his team were extremely helpful and professional. They were able to help me find a mortgage structure that suits my needs, and were very effective in communicating the home buying process. Highly recommended, especially for first home buyers who may need a bit of extra guidance.
— Alastair Foster
Foxplan has been so helpful since I was first introduced firstly to Warwick & Heidi & more recently Stephan & Mark. Each one has explained financial dogma so that I can understand what is happening. I’ve had a peace of mind knowing they are knowledgeable & working hard on my behalf.
— Janice Hopkins
Book a Discovery Call
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