Free 60-second cashback check
Don't refix before checking this.
Most Kiwis leave thousands on the table at refix time. Three questions show you what your bank could be paying you.
Free · Three questions · No sign-up to see your number
How much is your home loan?
Cash contributions vary by lender, campaign, LVR and product. We use conservative indicative bank assumptions until Nick confirms the live offer.
106
Five-star Google reviews
Rated 5.0 by real clients
20+
Lenders compared
Main banks and non-bank
$0
Cost to you
Paid by the lender, not you
Up to 1%
Cashback
Of your loan, indicative
Compares 20+ lenders, including
- + specialist non-bank lenders
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 check
Nick Coyle
Mortgage adviser · Auckland
Advice given on behalf of Freedom Financial Limited, a licensed Financial Advice Provider (FSP769995).
Your 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.
How it works
Mastering your refix is as easy as…
01
Answer the three questions above
Loan size, when you last took a cash contribution, and who you're with. 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.
“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
“This is the second time we have used Nick to help purchase a property and there is no way we would have got it across the line without his help. Nothing is ever a problem for him. Despite numerous complications along the way he didn't appear phased, is very responsive and will get the job done. Highly recommended.”
Jack Hunter
Repeat Client · Google review
Why Nick Coyle Mortgages
More than a rate. More than a refix.
Strategy, not just a rate
Cashback is the hook. The structure behind your lending is what actually saves you money over the life of the loan. Nick looks at both.
Free to you
Nick is paid by the lender when your loan settles, not by you. What the bank pays is disclosed before you commit.
20+ lenders compared
Main banks and non-bank lenders, played against each other so you get the best combination of rate, cashback and structure.
The fine print, in plain English
Questions people ask before they call
What does your service cost?
Nothing. If your lending settles with one of our lenders, Nick is paid a commission by that lender. That commission doesn't change the cost of your mortgage, and Nick is upfront about what the bank pays before you commit to anything.
How is the cashback calculated?
We multiply your loan by an indicative cash contribution rate (currently around 1% of the loan, depending on the lender and their live campaign). If you've taken a contribution from your current bank inside its clawback window, we pro-rate an estimated clawback and subtract it. Nick replaces these assumptions with the live offer once he's looked at your loan.
What is a clawback?
When a bank gives you a cash contribution, it usually attaches a clawback clause: leave within a set window (commonly 36 months, 48 with some lenders) and you repay a portion of it. The further through the window you are, the less you'd repay. Sometimes a new bank's cashback more than covers it, sometimes it's smarter to wait. That's exactly what Nick works out with you.
When should I review my home loan?
Ideally 60 to 90 days before your fixed term ends. That's enough time to compare lenders, negotiate cashback and restructure without being rushed into whatever rate your bank emails you. If your term has already rolled, it's still worth a call.
Is this calculator accurate?
It's a conservative indication, not a quote. Real offers depend on the lender's current campaign, your loan-to-value ratio, the product you choose, any caps, and individual approval. Treat the number as a reason to check, then let Nick confirm it.
Which lenders do you work with?
Nick compares more than 20 lenders, including the main banks and specialist non-bank lenders, and negotiates cashback and structure alongside the rate.
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 secondsOr call Nick now on 021 617 776