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Not sure if the rate you're being offered is acutally a mortgage rate?

Before accepting your bank’s next fixed rate, it may be worth comparing your options.

I can help you look at:

  • the rate your current bank is offering
  • whether another lender may offer a better option
  • cashback and switching costs
  • whether to refix or refinance
  • which fixed term may suit your plans

No obligation. A quick initial conversation can help you understand your options.

Check My Mortgage Options
  • 10 minutes could give you a much clearer picture.
  • No pressure. No obligation. Just a conversation about your mortgage.
  • Leave your details below and Lydia will get in touch.

Looking for a better mortgage rate in NZ?

Hi, I'm Lydia.

Licensed Mortgage Adviser

I’ll take a look at your situation, explain the options in the simple language, and help you understand what may be worth considering next.

Financial Advice Provider:

Apple Mortgage Limited

FSPR / Registration details

Lydia Chen is a Financial Adviser and is registered on the Financial Service Providers Register (FSPR). You can check my registration at FSP-Register NZ.

Contact details

Lydia Chen Licensed Mortgage Adviser
Phone: 02102467321
Email: Lydia@applemortgage.co.nz

Disclosure Statement

Important information about the advice services I provide, including who I act for and any potential conflicts of interest.

How Lydia may be paid

I may be paid by way of commission by lenders and/or a fee from you. The way I am paid will not influence the advice I provide.

Check My Refix & Refinance Options

Should I refix or refinance? Refix means choosing a new fixed term with your current lender. Refinance means moving your mortgage to another lender. Staying with your current bank can be simpler. Refinancing may sometimes give you access to a different rate, cashback or loan structure. The important question is not just “Which bank has the lowest rate?”