Take control of your mortgage with our refinancing solutions. Whether your seeking flexibility, savings, or adapting your lifestyle changes, we're here to assist.

Keep your mortgage working for you!

Refinance, Refix or Restructure

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You've got some questions

We've got some answers

Why should I consider refinancing my mortgage? 

Why should I consider refinancing my mortgage? 

Refinancing your mortgage can be beneficial for various reasons.
Some benefits might include lower interest rates, reduced monthly payments, changes to your loan terms, consolidating high-interest debts or accessing home equity for major expenses.
Ultimately, your Mortgage Supply Co adviser will carefully assess your financial situation and long-term goals to guide you towards the most suitable option.

What cashback can I get? 

What cashback can I get? 

Cashback offers vary among lenders and loan products. Your Mortgage Supply Co adviser can provide you details on any available cashback incentives based on your specific situation and the loan you choose.

Do I have to change banks?

Do I have to change banks?

Not necessarily. While you can choose to refinance with your existing lender, it’s also an opportunity for you to explore other lenders for better terms. Your Mortgage Supply Co adviser can help you navigate the options so you can make the an informed decision.

What are the best rates at the moment? 

What are the best rates at the moment? 

Mortgage rates are subject to change and can vary between lenders. Your Mortgage Supply Co adviser will analyse the current market conditions, your financial situation, and your preferences to identify the most competitive rates available to you.

What is the difference between refix, refinance and restructure?

What is the difference between refix, refinance and restructure?

            Adjusting the interest rate on your existing mortgage with the same lender. It doesn’t involve changing the terms or loan amount.




                           Modifying the terms of your current mortgage with your existing lender, which may include changing the loan term or adjusting the interest rate without a full refinance

                      Replacing your existing mortgage with a new one, often with different terms, rates, or lenders.

Find your       





Choose an adviser

The Mortgage Supply Co have advisers based all across New Zealand. With a wide range of expertise and experience, you’ll be able to find the right advice for your unique situation here.
Click the link below to meet the team.



Not to sure where to start and need help finding an adviser to match your goals and needs. Book a chat or contact us now and one of our team will help you navigate this decision.

Novi S
November 2023

I recently had the privilege of working with Owen to secure a mortgage for my dream home, and the experience was nothing short of outstanding. I cannot express how grateful I am for the exceptional service and expertise provided by Owen. I would highly recommend Owen to anyone in need of mortgage services, his commitment to excellence, integrity and personalized care is truly second to none. Owen has made what could have been a stressful process an absolute pleasure. If you are looking for a mortgage broker who will work tirelessly to secure the best possible mortgage for your needs, look no further than Owen Melhuish :-)

Chloe B
February 2024

Carl Mann has been my mortgage broker for the past 2 years and I can't rave enough about him.
He is the most dedicated Mortgage Broker I have had the pleasure of dealing with over the years. He is always quick to answer calls and emails and has a high level of understanding/experience and a fabulous way of communicating to me that I always appreciate.

Carl is goal oriented for his clients and personally puts everything he has into every application he puts forward.
I have passed Carl's details onto many people over the 2 year period I have dealt with Carl and they have always come back to me after the fact and said to me how great he was to deal with. Truly a professional of his trade!

Rebecca B
December 2023

Nicola was absolutely amazing to work with and discussed all our options with us. She was very thorough with looking at our spending and the. Helping us to select the right mortgage package for us. She kept us informed every step of the way and most importantly she believed in us and worked tirelessly to help us achieve more financial freedom. I would most definitely work with Nicola again. She understands that things aren’t always easy. She actively listened to us and used her extensive knowledge and experience to get the job done.

Steph D.
November 2023

We would highly recommend Jess and the team for any mortgage related work. We have used them to refix our mortgage, and when selling our house and purchasing again. They made the process as straightforward as it can be, and were able to get documents issued for a very quick turnaround for our sale and purchase. We will definitely use them again in the future.

Werner P.
February 2024

Awesome, I can't say enough, very professional. Ben did an awesome job for me and it was very quick and he is very good at what he does. I will definitely use him when i purchase another property. Thank you again Ben.

Adam W.
December 2023

Cannot say enough good about working with Jack and The Mortgage Supply Co. From start to finish Jack has been professional, pro-active and helpful. We had no real idea about the process of apply for a mortgage or the in's and out's of the whole house buying process, and Jack was there every step of the way to advise us and guide us to a very happy result. 
Would highly recommend his services to anybody who needed them!

Natarsha S.
November 2023

From the moment I spoke with Mel she was incredibly knowledgable and helpful. Her prompt service and ability to make it all so easy was just one of her strengths. I will definitely use Mel again and I highly recommend her, thank you very much.

Melissa W.
January 2024

Rob was fantastic to deal with. He helped us get a new mortgage and re-fix an old mortgage. Great communication, everything was explained thoroughly and easy to work with. I would highly recommend him and will use him for all my mortgages in the future. Thanks for all your help Rob!

Brooklyn O.
December 2023

Shayne's communication and flexibility during our experience made the process so easy and enjoyable. Shayne's positivity and commitment to help his clients made such a huge difference from other mortgage brokers that we have worked with in the past. We really enjoyed our experience and would recommend to others :)

Cath T.
December 2024

Vanessa is the most helpful, professional, delightful person we have ever worked with in regards to borrowing money for real estate. Her service and knowledge is exceptional and she has gone out of her way to get us an amazing deal. Her communication is superb. Thoroughly recommend her. Looking forward to dealing with her again.

5 Star reviews

What our clients say


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