Loan Restructure 

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What we can help with

Life changes. Income shifts. Families grow. A mortgage that once felt comfortable can start to feel tight. We manage loan restructure NZ-wide so your repayments line up with how you actually live. That might mean changing the term, switching repayment type, or splitting the loan so it suits your situation now.

Here’s a simple example. A client went on maternity leave and cash flow dropped. Together we shifted her loan to interest-only for twelve months, then set up a split structure once she returned to work. Her repayments stayed manageable, and the pressure eased.

How the process works

The steps are simple and transparent:

Review your current loan – We look at loan type, term, rate, fees, and features.
Set clear goals – You tell us what needs to change and what a good outcome looks like.
Explore restructuring options – We show how different structures would affect repayments over time.
Choose with confidence – We explain the pros and cons in plain language so you can make an informed decision.
Put the changes in place – We organise the paperwork and keep you updated until everything is finalised.

Key benefits

Repayments that match your lifestyle
Flexibility to fix, float, or split your lending
Options to shorten or extend the loan term
A structure that supports changes in income
Less stress thanks to clearer, more predictable cash flow

Ready to reshape your loan?

If your mortgage no longer fits your life, a short review can make a big difference. Book a loan restructure review in Auckland (or online across New Zealand). We’ll lay out your options side by side so you can see the trade-offs and choose a structure that suits your current income and future plans.