★★★★★ 40+ five-star reviews on Google
Make your mortgage work for you, not the bank.

See how much you could be better off by refinancing. Takes 20 seconds, completely free.

$

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.

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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.

– Tim McGill
Access to all major NZ banks
I'll shop all the banks for you so you don't have to.
Better rates + cashback
See both the rate difference and the cash you'll actually get in your pocket.
I handle all the paperwork
You provide docs once. I deal with the banks, the lawyers, the settlement. You don't chase anyone.

What My Clients Say

Reviews from Kiwis I’ve help so far.