Refinance · Cashback · Strategy
Don't refix before checking this.
Most Kiwis leave thousands on the table at refix time.
Three quick questions tell you how much cash your bank could be putting in your pocket if you refinance. Then Nick confirms the real number, free.
Free · 60 seconds · No sign-up
Quick peek · typical estimate
You could be owed
$6,800
- Loan amount
- $800,000
- Cashback (0.85%)
- $6,800
- Clawback
- $0
5★
Google rated
Real clients, real outcomes
20+
Lenders compared
Main banks and non-bank
$0
Cost to you
Paid by the lender, not you
Up to 0.85%
Cashback
Of your loan, indicative
Sound familiar?
Crush your mortgage strategy and keep more in your pocket.
If you're feeling overwhelmed by the refix decision, how to structure the loan, whether to move banks, what the cashback is really worth once clawback is factored in, you're not alone.
Nick does the heavy lifting: compares the market, negotiates cashback and structure alongside the rate, and lays out all your options so you can make a confident call.
Start the free 60-second checkYour fixed term is ending and the bank has emailed you a rate with no context.
You're not sure whether to float, refix or refinance to make the most of today's rates.
You've heard people get cashback for moving banks but no one has told you what you'd get.
You want a structure that supports your goals, not whatever the bank defaults you into.
If you nodded at any of these, you're in the right place.
What clients say
Real people. Real outcomes.
“Nick was incredible to work with, quick to respond, clear with every step, and genuinely committed to helping me get across the line when others couldn't. He looked at my situation and found solutions that worked, using his depth of knowledge and experience to make it all happen. Nick went above and beyond to make the process smooth and stress-free. I'm so thankful for his support and highly recommend him to anyone needing a broker who truly knows his stuff.”
Coral Douglas
Client · Google review
“Nick is absolutely the best! As a first-home buyer, I needed a lot of advice and Nick was there for me, every step of the way. Always quick to answer texts, emails, and phone calls, his patience and knowledge helped me through the process. He was able to provide recommendations for all of the different people I needed (like a building inspector and a lawyer), which made the whole process as seamless as possible. I highly recommend him to anyone that is looking for a mortgage broker!”
Heather Braid
First Home Buyer · Google review
“We are absolutely over the moon and thrilled to be the proud owners of our first home, and it's all thanks to Nick Coyle and his incredible team at Freedom Financial. From start to finish, Nick has been a true professional who knows his stuff inside and out. He was always just a phone call away, ready to guide us through every step of the journey. Nick's expertise, advice, and unwavering support made the entire process smooth and manageable. We highly recommend Nick and his team to anyone looking for top-notch mortgage advice and support. A huge thank you to Nick for all your guidance and for making our dream of homeownership a reality!”
Joel Shalem
First Home Buyer · Google review
How it works
Mastering your refix is as easy as…
01
Run the 60-second cashback check
Three questions. You'll see an indicative cashback figure straight away, with any clawback allowed for.
02
Nick calls to confirm the real number
Leave your details and Nick checks the live lender offers against your actual loan, then talks it through with you. Free, no obligation.
03
Get a personalised refinance strategy
Rate, cashback and structure, negotiated across 20+ lenders and built around what you're trying to achieve.
What are you waiting for?
Let's find out what your bank should be paying you.
Sixty seconds now could be worth thousands at refix. Free, no obligation, and Nick only calls if you ask him to.
Check my cashback in 60 seconds