Financial Optimisation for Your Home Loan
Mortgage Review
Interest rates shift. So do your financial goals. At The Advice Group (TAG), our mortgage advisers provide comprehensive mortgage reviews to ensure your home loan still aligns with your lifestyle, plans, and long-term financial wellbeing.
Mortgage Review
Make Sure Your Mortgage Still Works for You
Whether you’re refixing, refinancing, restructuring, or managing a debt consolidation, this check-up ensures you’re not overpaying and you’re making the most of your money. With access to more lenders and deep insights into lending criteria, our mortgage brokers help you uncover mortgage deals that suit your situation.
Mortgage Review
Why a Mortgage Review Matters
A mortgage isn’t a “set and forget” commitment. With the NZ property market constantly evolving and loan market conditions shifting, today’s loan may not be tomorrow’s best deal. As a property investor, first home buyer, or existing homeowner, it’s vital to ensure your loan reflects your needs—not just your bank’s default offer.
Our mortgage review service offers a versatile and practical financial check-up, designed to uncover savings, reduce interest costs, and deliver peace of mind. We’ll help you stay ahead with the right structure and strategy for your current loan, so you can build a smarter investment portfolio or simply save money over time.
- Servicing clients nationwide
- Work with a qualified adviser
- Access to comprehensive loan options tailored to you
- Advice in plain language with a focus on the bigger picture
Book your complimentary mortgage review today – it’s obligation-free and could save you thousands in unnecessary mortgage repayments.
Mortgage Review
Refixing Your Mortgage
What is refixing?
Refixing occurs when your current fixed interest rate term ends, and you select a new fixed term with your lender. While it sounds simple, getting the right mortgage broker on your side ensures you’re not missing a better offer elsewhere.
When should you refix?
- Your fixed rate expires in the next 60 days
- You want stability in monthly repayments
- You’ve spotted lower interest rates in the market
Why refix with TAG?
We monitor the loan market daily, tracking offers from different lenders so you don’t just accept your current bank’s default. Our advisers will explain your options clearly, help you compare fixed and floating rates, and make recommendations that align with your financial goals.
Talk to TAG before your fixed term rolls over—we’ll help you lock in the best rate, not just any rate.
Mortgage Review
Restructuring Your Mortgage
What is restructuring?
Restructuring allows you to tweak your existing home loan setup—without changing lenders. That could mean splitting your loan, changing repayment terms, or adding smart features like offset accounts that help reduce interest costs using your savings.
When is restructuring a good idea?
- Your income, expenses, or life goals have changed
- You want more flexibility with your mortgage repayments
- You’re planning to pay off debt faster or adjust for short-term affordability
What TAG helps you do:
- Customise your repayment strategy
- Improve loan flexibility with features like offsets
- Set up the right structure for reducing debt or increasing investment returns
Let’s restructure your mortgage to support your lifestyle today—and your wealth tomorrow.
Mortgage Review
Refinancing Your Mortgage
What is refinancing?
Refinancing replaces your existing loan with a new loan—often from a new bank—to access better interest rates, improved features, or more favourable terms. It’s a powerful tool for both saving money and unlocking the equity in your home.
Why refinance with TAG?
- Access lower mortgage rates and reduce monthly repayments
- Consolidate debts or access equity for renovations or property investment
- Get features your current lender doesn’t offer
We manage the entire process, from the loan application and comparison to approval and transfer—ensuring it’s smooth, efficient, and completely stress free. We’ll also flag any cashback incentives or refinance deals available from top NZ banks.
Considering a switch? We’ll do the math and only recommend a move if it truly makes sense.
Mortgage Review
Why Financial Experts Love Our Mortgage Reviews
- Perfect for Any Budget: From first-time home buyers to seasoned property investors, this service is adaptable, free, and results-driven.
- Reliable Performance: Our proven track record includes helping clients save tens of thousands by accessing better structures and rates.
- Peace of Mind: Gain insights from experienced mortgage advisers who always act in your best interests.
Mortgage Review
Is This the Right Service for You?
Our mortgage review is ideal for:
- First-home buyers needing pre-approval or help navigating banks
- Homeowners seeking to reduce repayments
- Investors growing their real estate portfolios
- Anyone unsure if they’re still getting the best deal from their lender
The NZ finance industry is competitive—don’t let credit history, outdated structures, or loyalty to your current bank hold you back from better financial outcomes.
Ready to Start Your Investment Journey?
Whether you’re buying your first rental or your fifth, we’ll help you do it smarter—with the right loan, structure, and support from the start.
Let’s talk. Book your free strategy session with a TAG adviser today
FAQ
Frequently Asked Questions
It’s a financial assessment of your current home loan, reviewing your rate, repayment strategy, and structure. It helps ensure you’re not overpaying or missing out on better options.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.
Unsure about your deposit options? Book a discovery call with our team.
Under current Reserve Bank rules, most investors will need a 30% deposit when buying an existing investment property. However, if you’re buying a new build investment property you’ll need a minimum 20% deposit, or if you’re using equity from your existing property, you may not need to contribute any cash at all. At TAG, we’ll help you find the most efficient way to structure your deposit based on your full financial picture.