Refinancing

Q: How do I know if refinancing is the right choice for me?

Consider refinancing if current interest rates are lower than your existing rate, if you want to change the home loan term, or if you need to access equity for other financial goals. A financial advisor can help you assess your situation and determine if refinancing will benefit you.

Q: What costs are involved in refinancing, and how can I evaluate if it's worth it?

Refinancing may involve costs such as application fees, valuation fees, and exit fees from your current lender. It's important to compare these costs against the potential savings from a lower interest rate or better loan terms. A financial advisor can provide a detailed analysis to help you make an informed decision.

Refinancing your mortgage can be a smart move to save money and improve your financial situation. At Rod Schubert Financial Advice, we offer expert advice to help you navigate the refinancing process and secure the best possible terms.

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In addition to requesting and obtaining paperwork and putting together a well-presented application for the bank(s) assessment, we can also help assess your current structure and situation and consider what your current bank versus what other banks can provide.

Our financial advisers will also provide specific refinancing advice on the best mortgage structure and bank for you which may allow for:

Saving money on interest rates (due to our negotiation)
Advising on a financial upside apart from just interest rate differences
Finding the best bank for you (whether that be staying with the incumbent or switching to a new bank)
Strategies to pay off your debt faster
Finding a more flexible lending structure for you
Topping up your funding at the same time of refinancing (for example a car purchase or renovations)
Providing direction on seeking advice on certain areas like asset protection or tax matters that we may identify but cannot advise on professionally ourselves

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Additional finance

Refixing or Restructuring

Reverse Mortgages

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With over 20 years of industry experience, Rod and his team provide expert guidance and top-notch service to help you achieve your financial goals. Reach out to our team today.

+64 9 950 8800

rod@rsfa.co.nz

Understand your finances with our financial analysis tools

RSFA Financial Advisers leverage Planolitix to provide clients with comprehensive financial planning and advanced data analysis, ensuring tailored solutions for optimal financial outcomes.

By utilising this sophisticated tool, RSFA Financial Advisers enhance decision-making processes and maximise investment strategies for their clients.

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Useful Calculators for Refinancing

Our website offers a variety of easy-to-use financial calculators designed to help you make informed decisions.

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Repayment Calculator

Estimate monthly loan repayments based on the loan amount, interest rate, & term.

Loan Comparison Calculator

Compare different loan options to determine the best choice for your needs.

Budget Planner Calculator

Create a detailed budget to manage your income and expenses efficiently.

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Frequently Asked Questions

What are the benefits of refinancing my mortgage?

Refinancing can lower your interest rate, reduce monthly payments, shorten your loan term, or allow you to tap into your home's equity. These benefits can lead to significant savings and better financial management over time.

How do I know if refinancing is the right choice for me?

What costs are involved in refinancing, and how can I evaluate if it's worth it?

Contact our award-winning team and experience the difference

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     EXCELLENT  
     Based on 105 reviews 
    
 
 
   
 
 
        
   justin Engels 
 14 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from a company that always had our best interests at heart. Without them we woukd not have been able to have our first home.
  
 
       
   Ma Pamela Therese Gaddi 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would to thank Anne Zablan-Balila for helping us secure our first home! You are very hands on, knowledgeable and always willing to help and you have so much patience in answering all of our concerns! You guided us and you were present every step of the way! I highly recommend Anne Zablan-Balila of Rob Schubert Financial Advice to be your mortage adviser and I am sure you can secure your first home too. I will definitely seek your expertise if given another chance to secure a property in New Zealand! I am one of many satisfied and happy client! Thank you so much Anne!
  
 
       
   Amy Po-Ching 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Rod as my adviser for many years now and he always takes the time to understand my needs to ensure he can deliver on what is required. I have found him to be thorough, diligent, honest, hard working and always striving to do the best he can by me. He is personable, professional, and I highly recommend him.
  
 
       
   giancarlo maturan 
 21 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would like to give thanks to Anne Balila from RSFA for helping us get our first home.  I admit it wasn't easy but Anne was always there to assist us and made the journey smooth and less complicated. I will definitely recommend her and RSFA to my friends who are also thinking of getting their new homes.
  
 
       
   Corrinne Pillay 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been clients of RFSA for a few years now. Our experience with Rod and the team has been awesome and the service we receive from Rod has been second to none.
His persistence and diligence to get the best rate for his customers has been a standout for us.
Rod has immense patience with Clients and treats out portfolio as if it was his own, with attention to detail and going to task to ensure we always get what’s best for us. The collaborative way in which this team works ensures that our best interest are always at the forefront.
  
 
       
   Dave Stokes 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team were able to work the magic for us that the others weren't. His professionalism and willingness to go the extra mile has been greatly appreciated. I highly recommend Rod to anyone looking for expert mortgage advice.
  
 
       
   Georgia Ross 
 15 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Great service! Efficient and reliable. Can’t thank you guys enough!
  
 
       
   Michael Davies 
 10 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and the team at SFA have been fantastic to deal with throughout our process. They achieved a higher result than we had been led to believe would be possible and made the whole process easy even when there were hurdles placed in the path. We highly commend Rod for his professionalism, patience, and diligence and have no hesitation in recommending Rod, and the team at SFA, to assist with your financial goals.
  
 
       
   Matt Crawford 
 20 February 2024
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Rod and his team, they are great to work with. Was first introduced to Rod a decade ago and have continued to benefit from his knowledge and experience over the years. He works hard to get results and pushes to get everything lined up even when the banks are dragging their heels.
  
 
       
   John Funnell 
 5 December 2023
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team where brilliant to deal with and where all over every detail of the process.
Cheers, John & Paul!

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