Is your current mortgage working as hard for you as it could be?
Are you making the most of your borrowing power? Restructuring your mortgage and loans can be a powerful tool to achieve your financial goals. We can guide you through this process, helping you to optimise your finances and make informed decisions.
Comprehensive financial overview
Your Mortgage takes a holistic view of your financial situation, considering all your debts and assets. This allows us to identify opportunities for restructuring that can lead to significant savings and improved cash flow.
Access to a wide range of lenders
Your Mortgage has relationships with multiple lenders, enabling us to find the best rates and loan terms to suit your specific needs. This competitive advantage ensures you secure the most favourable deal.
Expert negotiation
Restructuring mortgages and loans often involves complex negotiations with lenders. Our team possesses the skills and knowledge to navigate these discussions effectively, saving you time and effort while maximising your outcomes.
Our financial restructuring services
Financial advice
Restructuring your finances can be complex. Let Your Mortgage guide you through the process. Our experts will assess your financial situation and create a personalised restructuring plan to meet your goals. We offer complex lending solutions for investment properties or challenging financial circumstances.
Our strong relationships with multiple lenders ensure you get the best possible rates and terms for your restructured loan.
Insurance & risk advice
Protecting your financial future is as important as building it. We specialise in personal life and income protection insurance to safeguard you and your family's lifestyle in unexpected circumstances.
Our tailored financial advice considers your individual needs and provides access to a wide range of insurance products to ensure you receive the best value and coverage.
KiwiSaver & investment advice
Achieving your financial goals starts with a solid plan. Let Your Mortgage help you navigate the complexities of KiwiSaver and investing. We provide personalised advice to help you select the right fund and create a strategy aligned with your financial objectives.
Our expertise ensures you make informed decisions for a secure financial future.
Smarter Mortgage Restructuring Strategies
At Your Mortgage, we believe in empowering our clients with the knowledge and tools to make informed decisions about their mortgages. Restructuring your mortgage using advanced strategies like offset facilities, revolving credits, and making additional payments can help you save money, pay off your loan faster, and build wealth over time.
Offset facilities are linked transactional accounts that work alongside your mortgage. By depositing your savings into an offset account, the balance you have in this account is offset against your outstanding mortgage balance, reducing the amount of interest you pay. This can be a smart way to save on interest costs while keeping your funds easily accessible.
Revolving credit facilities allow you to deposit your income directly into your mortgage account, reducing the outstanding balance on which interest is calculated. You can then withdraw funds as needed, providing flexibility while minimizing the interest paid over time. Revolving credit can function as an efficient way to manage your cash flow and reduce loan interest.
Making extra payments towards your mortgage can significantly impact your loan term and overall interest costs. By allocating additional funds to your mortgage principal, you can reduce the time it takes to pay off your loan and cut down on the total interest paid. This approach can accelerate your journey towards debt-free homeownership.
Personalised Guidance: Our expert advisors will assess your financial situation and goals to recommend the most effective restructuring strategies tailored to your needs.
Access to the markets Lenders: We work with a diverse network of lenders to provide you with a range of flexible mortgage options.
Ongoing Support: Your Mortgage is committed to supporting you throughout your mortgage journey, offering guidance and assistance whenever you need it.
