Special Refinance Offer: 3.99% Fixed Rate and 1% Cashback

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Special Refinance Offer: 3.99% Fixed Rate and 1% Cashback
08/11/2025 10:35 AM

      For a limited time only, Smartmortgages.co.nz Limited is offering an exclusive refinance package designed to help you reduce interest costs and enjoy additional cash benefits.

      If the loan amount is $1.5m or over, we will cover your refinance legal cost
      If the loan amount is $1.5m or more, we cover your refinance legal cost.

      What You’ll Receive

      • 3.99% p.a. fixed rate: available for 12-month or 24-month terms.

      • Up to 1% cashback. 

      • Subsidised legal fees: we have partnered with a trusted legal firm to provide conveyancing services at a discounted rate.

      • Free legal cost for loans of $1.5 million or more: enjoy both the competitive fixed rate of 3.99% and a 1% cash contribution from the lender, with Smartmortgages.co.nz Limited covering your legal fees.

      Why Refinance with Us

      • Clients trust our service – see what they say on our Google Reviews and our website testimonials.

      • Expert guidance from an experienced mortgage adviser: we make the process simple, transparent, and efficient from application to settlement.

      • Access to multiple banks and lenders to find the most competitive refinance options for your needs.

      Terms and Conditions

      • Offer available for a limited time only and subject to lender approval.

      • Cashback and interest rate apply to eligible owner-occupied loans with a maximum LVR of 80%.

      • Minimum loan size and standard lending criteria apply.

      • Legal cost coverage applies only to refinances of $1.5 million and above through our partnered law firm.

      • Standard bank and credit conditions apply.

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