⭐️⭐️⭐️⭐️⭐️ 140+ Google Reviews • 1000+ Happy Clients
⭐️⭐️⭐️⭐️⭐️ 120+ Google Reviews
1000+ Happy Clients
Refix or Refinance with better rates in the next 90 days
Without having to wait on hold or negotiate with the bank!
Fill out the form below and we'll help you refinance your mortgage, lock in a better deal, and get your home loan structure sorted in the next 90 days:
What Our clients say about us
Frequently Asked Questions
Do I have to pay you anything?
No. Refinancing through Moneyplant is free for you. The bank you end up with pays us, not the other way round. Our advice doesn't change based on which bank that is.
I keep hearing "rates matter most". How does structure come into play?
A 10 or 20 basis point rate difference will save you a few hundred dollars a year. The right loan structure can take years off your mortgage and save you tens of thousands. We have clients who've knocked tens of thousands of dollars off their balance in a single year by restructuring, without changing their take-home pay.
My current bank says they can do my refix. Why use Moneyplant?
Your bank will only ever offer you their own products, and their job is to keep your business with the rates they can spare, not to actually pay your loan off faster. We compare across every major bank, build a structure around your actual goals, and check in with you at every refix, not just once.
Will refinancing hurt my credit score?
A formal application puts a credit enquiry on your file, but if you're refinancing for a genuine reason and your situation is stable, the short-term impact is minor and the long-term gain is much bigger. We only put a full application in when we're confident the new bank is the right move.
How long does refinancing take?
For most clients, around 30 days from form to settlement. Some are quicker, some are slower depending on the bank, but we keep things moving and tell you straight if anything is going to delay it.
Stop Paying More Than You Need To
Most Kiwis refinancing only ask about rates and cashback. In reality, how your loan is structured matters far more than either. In one 15-minute call, we can review your lending, compare your options across the major banks, and show you the structure that pays your mortgage off years faster. One client knocked $85,000 off their balance in a single year. No fees. No pressure. No bank loyalty pulling the strings.
Stop Paying More Than You Need To
Most Kiwis refinancing only ask about rates and cashback. In reality, how your loan is structured matters far more than either. In one 15-minute call, we can review your lending, compare your options across the major banks, and show you the structure that pays your mortgage off years faster. One client knocked $85,000 off their balance in a single year. No fees. No pressure. No bank loyalty pulling the strings.