Our expert mortgage advisers can help you

Refix your mortgage

When you are looking to refix your mortgage, we’ll help you to take advantage of any market movements and potentially reduce your current rates.

Refinance your mortgage

If you want to save money on your mortgage, we can help you move your mortgage from your current lender and renegotiate the terms.

Restructure your home loan

We’ll help you understand the benefits of your current structure or whether it would be more beneficial to refix or refinance.

Work towards your goals

We not only recommend what is good for you now, we’ll look at your long-term goals and how you can position yourself to achieve them.

Shorten your loan term

By reviewing your existing home loan, we can make adjustments to shorten the term of your loan to have you debt-free, faster

Get the best advice

All the research and hard work taken care of for you! We will recommend what is good for you regardless of the free TVs and cash-back incentives.

Talk to one of our advisers about your mortgage

Mortgage Calculator

Use our calculator to work out what your home loan repayments may be.

loan amount
The amount you’re considering borrowing, or the outstanding balance on your current mortgage.
annual Interest Rate % p.a

See interest.co.nz for current mortgage rates.

Term length
The date the mortgage needs to be paid by.
Repayment Amount
Enter your current repayment, or try another amount to see the difference it makes.
Whether you pay your loan off weekly, fortnightly or monthly.
Extra Repayment
An extra amount you pay in addition to your regular repayments. This will be calculated as if you made this payment today.

Your results

How much you'll pay

Monthly Repayments
Total to pay
Total interest saved
You'll pay - The amount you borrow

Top Tip

Making just the minimum payment allows a mortgage to run on for its entire term. Increase repayments to save interest and be mortgage free sooner.

This calculator provides an estimate/illustration only and is based on the accuracy of the limited financial information provided by you.

Refixing and Refinancing

We understand that refixing your mortgage can be complicated, stressful, and time-consuming, which is why many homeowners choose to stick with their current lender and accept the rates offered to them. However, by consulting with an Enva mortgage adviser, we can assist you throughout the process and help you secure the best possible deal.

By capitalising on our expert knowledge of the market and relationships with multiple lenders, we can liaise with a range of banks to present you with the available options. Whether it's staying with your current setup, refinancing with your existing bank, or moving to a new bank, we're here to guide you every step of the way to ensure you make the most informed decision.

Ready to begin your journey?

Fill out your details below and we’ll be in touch soon.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.