Coming off a fixed rate soon? See if you could save in 60 seconds.
Answer a few quick questions and find out on the spot whether we can help — then Beryl compares 20+ lenders and does the chasing for you. Our advice is free; the lenders pay us.
- Free, no-obligation — the lenders pay our fee
- 20+ banks and non-bank lenders compared
- Refinance cashback often covers your switch costs
- Local NZ adviser — real person, quick callback
Roughly how much is left on your mortgage?
Why work with Bricks & Mortgages
Straightforward advice from a local New Zealand mortgage adviser who works for you.
A sharper rate
We know where the best deals sit this week and negotiate with lenders on your behalf — not just what your current bank offers.
Cashback on your switch
Refinancing often comes with lender cashback that can cover your legal and break costs. We line it up so the move actually pays.
We do the heavy lifting
Applications, documents, follow-ups — handled. You get a clear plan, not a pile of forms.
Perfect timing
The best window to refinance is as your fixed rate rolls off. We line the move up so you switch the moment it makes sense.
Honest, upfront advice
A straight read on whether switching is worth it for you — and if it's not right now, we'll tell you.
Here for the long run
We review your loan as rates roll off, so you keep getting a good deal — not just at the start.
How it works
Three simple steps — most people are sorted within a week or two.
Answer a few questions
About 60 seconds. We'll tell you on the spot whether we're likely a good fit.
Beryl gives you a call
A quick chat to understand your goals, then we compare lenders and come back with a clear recommendation.
We get you sorted
We handle the application end-to-end and stay with you through to settlement.