Very accommodating and helpful.
Free 15-min call
Many Kiwi homeowners save thousands a year when they refinance. We'll review your loan across 20+ lenders and tell you, honestly, whether it's worth switching — or whether you're already set up well.
The lender panel
So you don't have to.
Quick estimate
Today's best 1-year rate across the big banks sits at 4.65% (live, 8 May).
First-year benefit
$13,750
$9,250 interest saved + $4,500 cashback
Indicative year-1 figure only. Rates change at refix, so longer-term totals depend on future rates. Assumes ≤80% LVR and a loan of $200k+. Cashback shown is the typical big-bank offer of 0.9% of balance, capped at $30,000 — actual offer varies by lender. We'll give you the real number on the call.
Our promise
Plenty of clients leave our call with the same advice: stick it out, come back when the timing's right. Whatever the answer — switch, wait, or come back later — it's based on your actual numbers, not a sales target.
From the founder
Jordan Cameron, founder of Total Mortgages, on what's actually different about getting your mortgage from us.
What you gain
Lower your rate
We'll shop across 20+ lenders to find you a sharper one.
Get cashback
Banks pay $3,000–$30,000 to switch. We know who's paying what this week.
Consolidate debt
Roll high-interest debt into your mortgage. Free up hundreds a month.
Renovation top-up
Use your equity to fund the work. We'll show you exactly what's borrowable.
Green energy top-up
Solar, insulation, heat pumps, EV chargers — most banks offer dedicated low-rate loans for energy-efficient upgrades.
Offset or revolving credit
Park your savings against the mortgage to lower the interest, without losing access to the money.
Free annual reviews
Refix coming up? We'll re-shop the market for you every time, not just at switch.
Real stories
Steve
Stacey
Marissa
Paul
Taylor
Rhys
Customer reviews
Industry recognition
Recognised every year by the NZ Mortgage Adviser industry.
Top Advisers 2026
Top Advisers 2025
Top Advisers 2024
Top Advisers 2023
Fast Brokerage 2023
Top Advisers 2022
Top Brokerage 2022
Top Advisers 2021
Young Guns 2021
Top Advisers 2020
Fast Brokerage 2020
Young Guns 2020
Top Advisers 2019
Top Advisers 2026
Top Advisers 2025
Top Advisers 2024
Top Advisers 2023
Fast Brokerage 2023
Top Advisers 2022
Top Brokerage 2022
Top Advisers 2021
Young Guns 2021
Top Advisers 2020
Fast Brokerage 2020
Young Guns 2020
Top Advisers 2019
How it works
01
Tell us about your loan
Takes a minute. Just the basics — lender, rate, balance, when it rolls.
02
We do the maths
We pull live offers from 20+ lenders and crunch the real saving for your situation.
03
You get a clear answer
If switching wins, we handle the paperwork. If it doesn't, we'll tell you straight.
Common questions
If yours isn't here, ask on the call. Or ring 0800 777 337.
Yes. There's no cost to you for the call, the review, or arranging the loan. Banks pay us a commission on settlement — it's the same whether you go direct or through us. We negotiate harder, which often means a sharper rate or extra cashback than you'd get walking in yourself.
No. We can run the numbers and tell you if it's worth switching without ever pulling your credit. A credit check only happens when you give us the green light to actually apply.
We'll calculate the break cost for you. If the saving from a sharper rate plus cashback beats the break cost, switching wins. If it doesn't, we'll tell you to wait — and exactly when to come back.
Equity matters more than rate. If your loan is now above 80% of your property's value, the sharpest rates and full cashback may not be on the table — but we can often still get you a better deal than you're on. We'll be straight on the call about what's realistic given where your equity sits.
We work with a lot of self-employed Kiwis. The docs are different — typically two years of financials and IR3s instead of payslips — but the process is the same. Some lenders are friendlier to self-employed borrowers than others, and we know which ones to point you at.
Yes. Refinancing isn't only about rate — it's also a chance to release equity for renovations, an investment property, or to wipe higher-interest debt. We'll show you what's borrowable based on your equity and income, and the trade-offs of each option.
Most banks claw back the cashback if you refinance away again within 3 or 4 years — that's standard across the market, not a Total thing. We'll spell out the exact clawback period before you commit, so there are no surprises later.
We work for you, not the bank. One conversation, 20+ lenders compared, and you only ever apply to the one that fits best. We send the banks around a quarter of a billion in new lending every year — that volume usually means sharper rates and bigger cashback for our clients than they'd pull walking in alone.
Most refinances are sorted within 4 weeks. We do the heavy lifting — paperwork, lender chasing, valuations — so you don't have to chase anyone yourself.
On the call: your current loan balance, rate, and lender. To proceed: a recent payslip (or financials if self-employed), latest bank statements, and ID. We send a checklist after the call so nothing's missed.
You'll get a calendar invite straight after booking, plus a short prep email with what to have handy. On the call we'll review your numbers, answer questions, and tell you whether refinancing is worth doing — and if so, what the next steps look like.
At Total scale
$1.27 billion of mortgages — settled, not just quoted.
$0.00b+
Settled lending
0+
Settled loans
0+
Verified reviews
Free 15-minute call
We'll review your mortgage and tell you, honestly, whether refinancing is worth it. If switching wins, we handle the paperwork. If it doesn't, we'll say so.
Talk to a real adviser.
Not a quote engine.
Prefer to talk now? Call 0800 777 337.