Mortgage Refinance

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What we can help with

A mortgage doesn’t have to stay the same for its entire term. Life moves. Rates change. Goals shift. A loan that felt fine a few years ago might now be holding you back. We compare mortgage refinance options across New Zealand so you can see the potential savings both now and over the long term.

One recent client felt stuck with their current bank until a short review opened up better options and real breathing room. Our focus is always on matching the loan to your plans today, not the past.

How the process works

The steps are clear and steady:

  • Review your current loan – We look closely at your rate, fees, structure, and features.

  • Set clear goals – You tell us what you want to change or achieve (lower repayments, flexibility, faster payoff, etc.).

  • Compare lenders – We scan a wide panel of banks and lenders and shortlist realistic options for your situation.

  • Talk through the numbers – You see side-by-side comparisons and what you could save now and over time.

  • Make the switch – We manage the application and paperwork, keeping you updated from start to finish.

Key benefits

  • Opportunity to reduce your monthly repayments

  • Better use of your cash flow

  • Flexibility to fix, float, split, or change the loan term

  • Access to products that suit your needs right now

  • Confidence that your mortgage is still working for you, not against you

Ready to review your mortgage?

If your repayments feel too tight, a refinance review can help you see what’s possible. Book a mortgage refinance review in Auckland today (or online across NZ), choose a time that suits you, and find out how small changes could create more breathing room each month.

Process Steps

1

Ready yourself for house hunting

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2

Organise paperwork for the home loan

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3

Contact us to begin a home loan application

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4

Search for your ideal house

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5

Make an offer on the house

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6

Finalise your home loan with the bank

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7

Choose the right home loan options

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8

Start the preparations for moving in​

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Why choose Skylight as your 
finance broker?

High loan approval rates

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Room to negotiate interest rates

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it

Business Loans at home loan rates

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Secure maximum loan approval

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Fast turnaround

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