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Little tweaks to your mortgage could save you tons in the long run

The amount of interest homeowners pay over a standard 30 year loan term is - quite frankly - sickening.

The good news is there are lots of small things you can do now that can make a difference, saving you thousands, over time and ultimately helping you get mortgage-free faster.

Download our handy guide to find out how you can get back in the driver's seat and make your mortgage work for you.

Our guide is jam-packed with hacks and strategies to help you save tons and get mortgage-free faster

Start mastering your mortgage

Get the free guide to refixing and refinancing

All of our top tips, hacks and strategies to getting mortgage free faster and saving thousands of dollars in one place. Use this guide to become a mortgage expert yourself, and make your mortgage work for you.

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Our top tips at a glance

  1. The “best” refix strategy will change depending on where
    rates are, and where they’re headed.
  2. In the long-run, fixing for 1 to 2 years is pretty much always
    your best bet.
  3. Refinance your mortgage every 3-4 years to make the
    most of cash backs.
  4. Break fees can be substantial if interest rates fall, so avoid
    fixing long term at the top of an interest rate cycle.
  5. If you’re making monthly payments, halve the amount
    and pay it fortnightly.
  6. Make small incremental increases in your loan
    repayments whenever you can.
  7. Revolving credit facilities can help you pay off your
    loan faster.
  8. Plan ahead, and consider splitting your loan across
    several fixed terms.

Find out more about how you can get your mortgage working better for you.

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Anonymous

New Zealand

Really happy Basil was amazing, very efficient, great communication and he worked with us to get a good result. Would recommend him to others
[N

Luke Murray

New Zealand

It was a great experience. The refinance helped me greatly and put me in a position to keep my apartment
LM

Ryan

New Zealand

The service I got from Squirrel was extremely efficient. They dealt with my loan so easily and achieved a result greater than what I was expecting
R

William

New zealand

Sudam our advisor was so helpful, patient and knowledgeable and made the whole process super easy with a great final result
W

Ryan Grant

New Zealand

Alex McRobbie was awesome! Informed knowledgeable and understanding! best outcome and awesome person to deal with! Couldnt recommend highly enough
RG

Martin

New Zealand

Helped me get an improved rate and sorted out my needs. Great communication, kept me up to date throughout the process.
M

Dan Clark

New Zealand

Kat McInnes was so helpful and a pleasure to deal with.Kat made the whole experience less stressful and so straight forward. I would have no hesitation in recommending Kat to anyone who needs any help with Mortgage lending.
DC

Denoa Amoa

New Zealand

Eleanor was very communicative, explained to me the best options and structure available, and guided us through what was a complicated process due to the structure of the ownership.
DA