Refinance Your Mortgage The Smart Way
Think of refinancing your mortgage as an important part of your financial plan. As your lifestyle changes so do your mortgage needs. Our expert advisers can help you rework your mortgage to better fit with your aspirations going forward.
At Lifetime we can help you decide if it’s a good time to refinance your mortgage. We are lending experts and know when to make the most of low interest rates and when to sit tight. We are committed to your long-term financial goals and will find the best refinancing option to suit you and your needs. Interest rates are always changing and it’s hard to be certain if now is the perfect time to refinance. Let us evaluate your options and assess what you need most from your mortgage.
Your mortgage is a valuable commodity. Banks will often offer you cash contributions to refinance with them. We can help you navigate these numerous offers and negotiate the best possible terms. Ideally, these cash contributions will cover the cost of refinancing and may even leave some cash in your hand.
We are specialists in interest rates, mortgage structures and negotiating with the banks. We take the guess work out of refinancing - let's sort the ideal mortgage for you.
Want to know more?
Book your free 15 minute mortgage chat now.
Home Loan Rates Are Dropping – But Look Who Quietly Beat ANZ to the Punch
There’s no denying it: after the Reserve Bank’s OCR cut last week, interest rates are finally starting to fall – and fast.
ANZ made headlines with a sharp round of fixed rate drops this week, bringing its 18-month special down to 4.89% and its one-year fixed rate to 4.95%. That’s the lowest ANZ’s fixed rates have been in over three years, and a welcome reprieve for buyers and refixers alike.
Making Sense of Budget 2025: What It Means for Your Money
Budget 2025 has landed, and with it, a sharp focus on doing more with less. Branded as a back-to-basics budget, this year’s announcement signals a disciplined approach to spending, with targeted support in areas that matter most: healthcare, education and the economy.
Whether you’re planning your next career move, growing a business or making sure your retirement savings are working hard, the Budget can have a flow-on effect. Let’s unpack what’s changed, what it means for you, and how to stay financially confident in the year ahead.
Money & Mental Health - Let's Talk About The Link
Over half of New Zealanders say financial stress has impacted their wellbeing. That’s not just a statistic. It’s a signal. It means many of us are quietly worrying about our financial future, unsure who to turn to or where to start.
At Lifetime, we know financial advice is about more than dollars and cents. It’s about reducing worry, building confidence, and helping you feel more in control, both emotionally and financially.