Coming off a fixed rate soon? See if refinancing could be right for you.
Answer a few quick questions to see if it's worth a chat. If it is, Beryl gives you a no-obligation call and sends you a simple online form to complete your details — then reviews your options across the range of banks and lenders she works with. Her advice costs you nothing; she's paid by the lender if you go ahead.
- Free, no-obligation advice — Beryl is paid by the lender, not you
- Access to a range of banks and non-bank lenders
- Where cashback is available, it can help with switching costs
- Local NZ adviser — a real person who calls you back
Do you own the property you want to refinance?
Why work with Bricks & Mortgages
Straightforward advice from a local New Zealand mortgage adviser who works for you.
A rate that suits you
Beryl reviews what's available and negotiates with lenders on your behalf — and tells you honestly whether a better deal is on the table or you're already well placed.
Cashback where it's available
Some lenders offer cashback that can help toward legal or break costs. Where it's available, Beryl will factor it into the picture.
We do the heavy lifting
Applications, documents, follow-ups — handled. You get a clear plan, not a pile of forms.
Perfect timing
The best window to refinance is as your fixed rate rolls off. We line the move up so you switch the moment it makes sense.
Honest, upfront advice
A straight read on whether switching is worth it for you — and if it's not right now, we'll tell you.
Here for the long run
We review your loan as rates roll off, so you keep getting a good deal — not just at the start.
How it works
Three simple steps — most people are sorted within a week or two.
Answer a few quick questions
Takes about a minute. It's just an initial check to see if it's worth a conversation — not a loan application or approval.
Beryl calls you & you complete a quick online form
A no-obligation chat about your goals. To properly look into your options, she'll send you a simple, secure online form to complete your details.
She reviews your options and handles the rest
Once she has your details, Beryl reviews suitable options and, if you choose to go ahead, manages the application through to settlement.