05/11/2026
If your fixed home loan term is ending soon, you do not have to wait until rollover day to take action.
Most lenders in New Zealand allow you to secure a new fixed rate 30 to 60 days before your existing term expires. Reviewing your loan early provides immediate certainty for your household budget, while protecting you if market pricing shifts.
Even better, if your lender drops its rates before your expiry date rolls around, a mortgage adviser can often negotiate on your behalf before the new term begins.
Leaving it until the final week or doing nothing means your loan risks rolling straight onto a floating rate while you decide what to do.
Get in touch today to review your upcoming re-fix options and run through your numbers.
https://adviser.loanmarket.co.nz/joe-hurn/contact-us