Make your mortgage work for you, not the bank.

For NZ homeowners with a mortgage coming up for renewal

Every month you wait could be costing you. If you're on the wrong rate, you could be overpaying by hundreds of dollars a month. The longer you leave it, the more you lose. The better deals go to new customers.
  • ✕ Your bank will never call you to offer a better deal. That's not their job.
  • ✕ Most homeowners have no idea cashback even exists when switching banks.
  • ✕ A 0.5% rate difference on a $600k mortgage costs you $3,000+ every single year.
  • ✕ The longer you wait, the more you overpay and the less cashback is on offer.
  • ✓ Switching banks takes less effort than you think. I handle the paperwork. You provide your details once.
⚡ Don't leave it too long
Banks are offering up to $30,000 cashback right now to win your mortgage. These offers don't last. Banks pull them when they've hit their targets. The sooner you check, the more you could walk away with.

★★★★★40+ five-star reviews on Google

✓ Free · No credit check
✓ No obligation
✓ All major NZ banks
✓ We handle the paperwork
Cashback on offer right now
Up to $30,000
Banks are competing hard for your mortgage
We compare:
ANZ ASB BNZ Westpac KiwiBank TSB SBS
Why Kiwis refinance
Your bank set your rate. They rarely revisit it.
Refinancing is simply checking whether another lender will do better for your situation. Most of the work is done for you.
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Better rates compound fast
On a $600k loan, 0.5% less interest is roughly $3,000 a year back in your pocket, or years off your mortgage if you keep repayments the same.
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Lenders pay you to move
Cashback of up to $30,000 is used to win refinancing business. It can cover legal fees and break costs, with plenty left over.
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Restructure while you're at it
Split your fixes, adjust your term, consolidate higher-interest debt, or access equity. All in one move.
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Pay your mortgage off faster
A better structure, offset accounts, smarter splits, a proper repayment plan, can shave years off your mortgage without paying more each week.
One check, every major lender
Rates and cashback move constantly, and no single bank is best for everyone. I compare every major NZ lender side by side for your specific situation, so you don't have to.
$

Free · No credit check · No obligation
Your Refinance Estimate
Estimated Cashback $0
Minus Lawyer Cost –$1,000
Minus Break Fees* TBC
Will be confirmed when we review your loan details
Estimated Cash in Your Pocket
$0

*After break fees have been calculated

Let's Lock In Your Numbers

Fill in your details and I'll reach out personally to confirm exact break fees and explore your options.

By submitting you agree to be contacted by Tim McGill, Mortgage Adviser at Guardian Smith Mortgages.

✓
Your summary is ready.

Thanks for getting in touch. I'll personally review your details and be in touch within a few hours to talk through your options and next steps.

Book a time with Tim →
– Tim McGill
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Thanks for checking!

Based on what you've shared, refinancing may not be the most beneficial move for your situation right now. That said, every situation is different -- if you'd like a quick chat to explore your options, I'm happy to help.

Feel free to reach out at tim@guardiansmith.co.nz or check back when your situation changes.

– Tim McGill
How it works
Three steps. Most of the work is done for you.
1
Use the free calculator
Enter a few details about your mortgage. See your estimated cashback and whether switching makes sense. Takes a few minutes, completely free.
2
I'll review your details personally
I compare every major NZ lender for your specific loan. You get a clear picture of what's available -- rates, cashback, and structure options. Same day, not a call centre queue.
3
You decide, I do the rest
If it stacks up, I handle the application, the paperwork, the lawyers, and the bank. You provide your details once. You don't chase anyone.

What My Clients Say

Reviews from Kiwis I’ve help so far.

Tim McGill, Mortgage Adviser
About Me

I'm Tim, a mortgage adviser based in Christchurch, helping NZ homeowners get a better deal on their mortgage.

Most people don't realise their bank isn't giving them the best rate available. Your bank set your rate when you fixed. They rarely come back to offer you something better.

My job is to check every major NZ lender on your behalf, find the best rate and cashback available, and handle everything from there. You provide your details once. I deal with the banks, the lawyers, and the paperwork. You don't chase anyone.

I work for you, not the bank. Straight answers, no jargon, and a plan that actually makes your mortgage work harder for you.