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Refinance Your Mortgage for Maximum Return
Your mortgage shouldn’t hold you back. Lighthouse Financial helps you refinance strategically to save on interest, improve cash flow, and free up money for what really matters.
No pressure. No guesswork. Just clear, expert guidance that helps you take control of your mortgage.
We’ll assess your loan structure, interest rate, and repayment plan to identify where you could save.
We compare multiple lenders and negotiate on your behalf, ensuring you’re getting the most competitive rate available.
Many lenders offer cashback when you refinance. We’ll show you what’s available and help you make the most of it.
We’ll help you design a repayment plan that aligns with your goals, from reducing your term to freeing up funds for renovations or investments.
Speak with an advisor and discover how tailored financial advice can give you clarity and confidence.
No pressure. No guesswork. Just clear, expert guidance that helps you take control of your mortgage.
We’ll assess your loan structure, interest rate, and repayment plan to identify where you could save.
We compare multiple lenders and negotiate on your behalf, ensuring you’re getting the most competitive rate available.
Many lenders offer cashback when you refinance. We’ll show you what’s available and help you make the most of it.
We’ll help you design a repayment plan that aligns with your goals, from reducing your term to freeing up funds for renovations or investments.
When Sarah and Ben refinanced their $650,000 mortgage with Lighthouse Financial, their interest rate dropped from 7.25% to 6.55%. That might not sound like much but it saved them over $9,000 in interest over the next two years, plus they received a $4,000 cashback from their new lender.
By restructuring their repayments, they also shaved four years off their loan term all without increasing their fortnightly payments.
That’s the power of refinancing smarter: less interest, more freedom, and a clear path to financial progress.
Refinancing isn’t just for people struggling financially it’s a smart move for anyone who wants their mortgage to work harder.
Myth |
Reality |
|---|---|
| Refinancing means starting over. |
Not true. You can keep your progress while reshaping your loan to save thousands in interest. |
| My bank will always give me the best rate. |
Banks reserve their best rates for new customers. An adviser can negotiate better terms with multiple lenders. |
| It’s too much hassle to switch. |
With expert help, the process is quick and straightforward most refinances complete in under three weeks. |
| It’s not worth it for a small saving. |
Even a 0.5% difference in interest could mean tens of thousands saved over your mortgage term. |
By refinancing with Lighthouse Financial, this household reduced their repayments by $414 per month saving nearly $10,000 in interest over two years, plus receiving a $3,000 cashback from their new lender.
| Scenario | Interest Rates | Monthly Repayments | Total Saved | Cashback Incentive |
|---|---|---|---|---|
| Before Refinance | 5.99% | $3,476 | -- | -- |
| After Refinance | 4.79% | $3,062 | $9,936 | $3,000 |
Disclaimer: This example is based on a $600,000 loan. Rates and cashback offers vary and may change without notice. Eligibility, fees and T&Cs apply. Please speak to one of our mortgage brokers before making any changes to your home loan.
If it’s been more than a year since you reviewed your mortgage, you could be overpaying. Lighthouse Financial makes refinancing simple from lender comparison and negotiation to approval and settlement.
We’ll show you exactly how much you can save, how cash-back offers apply, and whether switching lenders is worth it.
1
Review your current loan
We analyse your current rate, term, and structure to uncover opportunities.
3
Secure approval
We handle the paperwork, negotiations, and lender transitions.
5
Save and stay ahead
Enjoy reduced costs, better cash flow, and ongoing support from your adviser.
2
Compare new options
We shop the market to find better deals from top lenders.
4
Set up your new structure
Optimise your repayments for savings and flexibility.
We have relationships with many bank and non bank lenders, this means we can get the right solution for the right situation.
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
Simply fill out your details below, and we’ll be in touch. From there, you can expect:
1. A lighthouse team member will reach out find out more about your situation and book a consultation.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
