Mortgages
We'll tell you when it's worth moving.
Coming off a fixed rate is the one moment you have real leverage. Most people let it pass by clicking whatever their bank emails them.
Free guide
The Refinancing & Refixing Guide
A plain-English walkthrough of everything that matters, plus a checklist to bring to your adviser. Free, instant, no obligation.
What this is
Refixing is choosing a new rate with your current lender. Refinancing is moving the loan somewhere better. Both are worth a proper look, and both have a window.
We compare what's actually available across the market, weigh the cost of moving against the benefit, and give you a straight answer. Sometimes that answer is "stay put".
How we help
How we find the better deal.
01
We watch the clock.
We'll flag your rollover before it lands, not after your bank has auto-rolled you onto something average.
02
We compare properly.
Not just rates. Structure, cash contributions, break costs and what it actually nets out to.
03
We tell you when not to move.
If the sums don't work, we'll say so. That's the whole point of not being a bank.
04
We handle the move.
If it's worth doing, we do the legwork.
Get started
Find out if it's worth moving.
Send us your current rate and roughly when it rolls over. We'll tell you whether there's money in switching, honestly.
No cost. No pressure. No obligation.
What it costs you
Nothing.
Free to you — we're paid by the lender once your loan settles.
Common questions
Refixing questions, answered.
Ideally a couple of months before your fixed term ends. That's enough runway to compare properly and move if it's worth it.
Sometimes. It depends on the gap between what you're paying and what's available, any break costs, and what a new lender is offering to win your business. We'll do the maths and show you.
An application involves a credit check. We'll only put one in when we think it's worth doing.
Then you can move whenever it makes sense. Worth a conversation sooner rather than later.
Free to you — we're paid by the lender once your loan settles.
While we're at it
While your loan's on the table, so is your cover.
Cover almost always lags behind lending. If your loan's changed since you set it up, the numbers probably don't line up any more.