How We Save You Money

We’ve invested in the same data New Zealand’s major banks use to calculate break fees and adapted it into a model of our own From this, we’ve developed an automated daily alert system that identifies when breaking a fixed loan could save you money. Most advisors don’t have access to this kind of analysis. Over the life of your loan, it means you’ll spot opportunities to save that others would miss.

When it’s time to refix, we use a forecast engine based on the same market data banks use. It models scenarios across different terms, showing you the potential costs and savings. While no one can predict rates perfectly, this analysis helps you make informed decisions, including when it may be better to wait on a floating rate.

Many banks offer cashback when you move your loan, sometimes up to 1% of the loan value. On a $500,000 mortgage, that could be $5,000 back in your pocket and potentially over $60,000 saved in interest over the life of the loan. We make sure you understand these offers and how to use them to your advantage.

Every bank has different rates available at any given time, depending on the customer. We track this closely and use that knowledge to negotiate the sharpest deals for you. Whether you’re taking out a new loan or re-fixing, our goal is to secure the lowest possible rate and keep your repayments under control.

Regular refinancing is one of the best ways to unlock better rates and cashback offers. We guide you through the process, making it simple and stress-free. By timing it well and structuring it properly, refinancing can deliver significant long-term savings and help you stay one step ahead of the banks.

The way your loan is set up can have a huge impact on what you pay. We recommend smart structures such as offset accounts and revolving credit. These reduce your average balance, cut down interest costs, and give you more control over your money. The right structure can save you thousands over time.