Free Mortgage Review
Your mortgage might have been the right fit when you first set it up. But interest rates change, your circumstances change, and there may be opportunities to save.
At Taranaki Home Loans, your mortgage review is carried out by Rupert, a Chartered Accountant and CFA with years of senior banking and finance experience.
Rupert takes a fresh look at your interest rates, repayments and how your lending is structured. He’ll explain whether there are opportunities to save money or make your mortgage work better for your circumstances.
There’s no cost to you and no obligation to make changes.
Here's how it works
The goal is to help you make confident decisions that could save you money over the life of your loan.
A review does not mean you need to refinance, switch banks, or restructure your loan. Sometimes the right advice is to stay exactly where you are.
You can book a time for a free mortgage review, or call us first for a quick chat to see whether it is worth taking a closer look.
A review does not mean you need to refinance, switch banks, or restructure your loan. Sometimes the right advice is to stay exactly where you are.
You can book a time for a free mortgage review, or call us first for a quick chat to see whether it is worth taking a closer look.
Why Work With Us?
No pressure to change
A review does not mean you need to refinance, switch banks, or restructure your loan. Sometimes the right advice is to stay exactly where you are.
We do the research for you
We compare multiple banks and loan options to see whether your current mortgage is still the right fit. You do not need to spend hours checking rates or trying to work out the details yourself.
Focused on long-term savings
We do not just look at today’s rate. We look at how your loan is set up and where there may be opportunities to save money over the life of your mortgage.
It is free
Your mortgage review is free, whether you make changes or stay where you are. If you refinance through us, the bank pays us once your loan settles. If we simply give you advice and you stay with your current bank, we don’t get paid (and that’s fine) our priority is helping you make the right decision for you.
How We Help You with a Mortgage Review
Giving you confidence
Sometimes there is no need to make a change. If your loan is already set up well, we will let you know so you can feel confident you are on the right track.
Senior banking experience, working for you
As a former Head of Finance at TSB, Rupert understands how banks set mortgage rates and assess lending. He brings that knowledge to your review, looking beyond the advertised rate to help you understand your options and make an informed decision.
We check for ways you can save money
Sometimes a small change to how your loan is set up could help you save money over the life of your loan, reduce pressure on your repayments, or give you more certainty.
We keep looking after your mortgage
We track our clients’ mortgages daily, looking for opportunities to reduce their interest costs. If we identify an opportunity (even during a fixed term) we get in touch and explain whether making a change could benefit you, taking any break fees and other costs into account.
No. A review does not mean you need to switch banks or refinance. Sometimes the best advice is to stay exactly where you are.
We look at your current loan, including your rate, repayments, loan term, structure and fixed-rate dates. We also talk through what has changed for you and what you want your loan to support now.
It is a good idea to review your mortgage before your fixed rate ends, or if your income, repayments, plans or goals have changed.
We will tell you. Sometimes the best result is knowing you are already on the right track.
It may. A review can help identify whether there are ways to save money, reduce pressure on your repayments, or set your loan up in a way that better suits your plans.
No. You can call us first for a quick chat. We will ask a few simple questions and let you know whether a full review could be helpful.