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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