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Wondering about mortgage break fees when refinancing in New Zealand? Learn how break fees are calculated, when they're worth paying, and strategies to minimize or avoid them entirely.

Understanding Break Fees: Are They Worth Paying to Refinance?

Picture of Trent Bradley Trent Bradley

Break fees are often the biggest obstacle preventing New Zealand homeowners from refinancing their mortgages, even when...

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Choosing between fixed and floating mortgage rates when refinancing in NZ? Learn the pros and cons of each option, when to choose fixed vs floating, and how to make the best decision for your situation.

Fixed vs. Floating Rates: Which is Best When Refinancing in New Zealand?

Picture of Trent Bradley Trent Bradley

One of the most important decisions you'll make when refinancing your mortgage in New Zealand is choosing between fixed...

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Discover how much money you could save by refinancing your mortgage in 2025. Learn how to calculate potential savings, understand break-even points, and maximize your refinancing benefits in New Zealand.

How Much Can You Save by Refinancing Your Mortgage in 2025?

Picture of Trent Bradley Trent Bradley

One of the most common questions New Zealand homeowners ask when considering refinancing is: "How much will I actually...

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Luminate Financial Group Limited (FSP765531) is a licensed Financial Advice Provider (Class 2 FAP), authorised to provide regulated advice on home loans, commercial and business lending, and specialist finance.

Luminate Finance Limited (FSP449126) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008 to provide consumer credit contracts and non-consumer credit contracts. It is not a licensed Financial Advice Provider and does not offer regulated financial advice. Investment opportunities are available only to investors who meet specific wholesale investor criteria as defined in the Financial Markets Conduct Act 2013. These are not regulated offers and are not open to retail investors.

All lending is subject to credit assessment and responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. We follow the Responsible Lending Code to ensure loans are suitable and affordable for our clients.

¹Past performance is not a reliable indicator of future results. Fixed rates are subject to change. Terms, conditions, lending criteria, fees, and charges apply. Images may be indicative only.

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