Your loan, as a whole.
Discuss your rate, repayments and loan structure in the context of your goals.
FOR NEW ZEALAND HOMEOWNERS Mortgage debt of $500,000+
REFIX. REFINANCE. RETHINK.
Before you refix,
check your
options.
Is your next home loan move the right one? Review your rate, loan structure and the cost of switching with Onboard.
- Understand what matters beyond the rate
- Discuss staying with your bank or switching
- Book a time that works for you
No documents needed to get started.
YOUR NUMBERS.YOUR OPTIONS.A REAL CONVERSATION.
YOUR HOME LOAN REVIEWStep 1 of 3
Start with your property.
Two quick numbers to see your mortgage snapshot. Estimates are fine.
YOUR MORTGAGE SNAPSHOT
- Mortgage balance
- Loan-to-value ratio
- Estimated equity
Based on your estimates. Equity is property value minus mortgage debt; it isn’t available borrowing or a lending approval.
Your adviser. Your choice of time.
Share your details, then choose a meeting time.
A RATE IS ONLY PART OF THE PICTURE
Make a decision.
Not just a rate selection.
Bring your current loan details. Let’s talk through the questions worth asking before your next move.
Staying or switching.
Consider the potential benefits alongside switching costs, break fees and any cashback repayment obligations.
A clear next step.
Talk directly with an Onboard adviser about which options are worth exploring for your situation.
GET THE RIGHT PEOPLE ONBOARD
Big decisions deserve
a real conversation.
Onboard helps New Zealanders navigate their lending options, from reviewing a loan through to application and settlement.
- 01Share your starting pointYour mortgage, property and contact details.
- 02Choose your meetingBook directly into your adviser’s calendar.
- 03Talk through your optionsDiscuss what could work for you and what comes next.
BEFORE YOU GET STARTED
A few useful answers.
No. Sending an enquiry doesn’t commit you to changing banks or taking out a loan. The conversation is about understanding your options, including staying with your current lender.
Your approximate mortgage balance and property value, current bank and interest rate, plus your contact details. Your banking app or latest statement can help. No documents are required for this initial enquiry.
No. This enquiry form saves the details you provide; it does not run a credit check or submit a loan application.
Your enquiry is saved, then you can open your adviser’s Microsoft Bookings calendar and select an available time. Your appointment is booked only once you complete the booking in Microsoft Bookings.
This review is for New Zealand homeowners with total mortgage debt of $500,000 or more who want to discuss refixing or refinancing. The minimum refers to your debt, not your property’s value.
YOUR NEXT RATE DESERVES A SECOND LOOK
Start with your numbers.
Finish with a conversation.
Start my home loan review
For mortgage debt of $500,000 or more.