Sometimes the best option is to refinance your home loan into a new mortgage to allow you to get a better rate, consolidate debt and start afresh. Alternatively a second mortgage can give you almost immediate cash if you have good equity in your home.
Are you losing sleep over your monthly loan commitments? Has your Home Loan provider gone out of business?

Why not look at some mortgage refinance options with better rates?

Many New Zealanders with existing Home Loans also have a number of credit cards, Hire Purchase Agreements and a Car Loan. These repayments can add up to a significant amount each month and you soon seem to be "robbing Peter to pay Paul" and have no spare cash for other essential costs or the things you enjoy.

If you were to consolidate these debts into one new home loan you would free up some cash, plus have the convenience of just one mortgage with the repayment due at the same time as your pay days. Imagine how much easier this would be!

Do you want to avoid falling into this trap again and find out how to pay your mortgage off quicker?
Refer Mortgage Reduction using our Be Mortgage Free Service

Looking for the Best Rate?

With the range of Home Loan & Mortgage lenders in New Zealand diminishing significantly with GE Money, Wizard Home Loans, United Home loans, Tasman Mortgages, Freedom Home Loans, Property Finance Securities & Pioneer now ceasing to operate, many of their clients are now stuck with uncompetitive rates, no top up facilities & no customer service. Your best option is probably to refinance now as interest rates are still reasonable and look to consolidate some of that short term debt.

This may also be a good time to free up some cash for a wedding, holiday, property improvements or investments.
Visit Missing Lenders  A free information service to help you find out what to do when your Home Loan lender has shut up shop or left town.

Need Quick Cash?

A second mortgage can give you almost immediate access to equity in your home. If you only need funds for a short period this may be a better option.

The option to refinance your mortgage or use a second mortgage provides many home owners in New Zealand with  options to get better rates, consolidate debt or to access equity in their NZ home.

Contact us for more information
refinance@firstratemortgages.co.nz
or Freephone 0800 178 7283 (0800 1ST RATE)