⚠ Before you refix — read this

Your bank is hoping you refix this month without checking this.

Most Auckland homeowners don't know their real break-fee cost — so they assume switching isn't worth it and refix on autopilot. Hunter Dean runs the numbers for free. You get the actual figure. Then you decide.

Break fee calculated — the real cost to switch
Cashback factored in — up to $20,000 available
Net saving over 2 years — not just the monthly difference
No broker call required — your number by next business day

Free · No broker call required · Takes 5 minutes

Get your free savings check

Hunter will send your number within 1 business day

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Hunter will run the numbers and send your savings calculation within 1 business day. No obligation to act on the results.

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The Cost of Doing Nothing

Here's what most Auckland homeowners don't know about their mortgage.

When you first got your mortgage, your bank gave you a rate. That rate was competitive at the time. But rates move. Lenders change their appetites. And your bank is counting on you not checking.

💰 What overpaying by 0.5% actually costs over two years

$400,000 mortgage≈ $4,000 extra

$600,000 mortgage≈ $6,000 extra

$800,000 mortgage≈ $8,000 extra

Indicative figures. Your actual saving depends on your rate gap, balance, and break-fee position. The savings check gives you your real number.

The only way to know if switching is worth it is to run the actual numbers. That's exactly what Hunter Dean does — at no cost, with no sales pitch attached.

How The Numbers Check Works

This isn't a sales pitch. It's a calculation.

The reason most homeowners don't check is that "talking to a broker" sounds like a sales call. The savings check isn't a sales call. It's a number. Here's exactly what Hunter calculates — every time, for free.

The Hunter Dean Savings Calculation

Your current rate & remaining term

What you're paying now, when your fixed term expires, and your outstanding balance.

Best available rate across all NZ lenders

What's actually available for your loan size and LVR right now — not what the banks advertise publicly.

Your real break fee (if applicable)

If you're mid-term, Hunter calculates your exact break fee — the full cost, not an estimate.

Any cashback available to offset switching costs

Up to $20,000 cashback is available from certain lenders right now. Factored into the net saving calculation.

Your net saving over 2 years — total, not monthly

Rate saving, minus break fee, plus cashback = your actual 2-year net position. You get this number. Then you decide.

📊

If the numbers don't add up, Hunter will tell you.

Hunter is not in the business of switching mortgages that shouldn't be switched. If staying with your current bank is the better move, that's what the calculation will show — and that's what you'll be told. No pressure. Just the number.

If You Decide To Switch

Once the numbers say yes — here's what happens

The savings check is step one. If switching makes sense, Hunter handles everything from here.

Free Savings Check

You get your numbers — current rate, best alternative, break fee, cashback. Net 2-year saving.

Free · 1 business day

Full Cost Analysis

If the numbers look good, Hunter runs the complete switch cost — break fees, legal costs, clawback.

If you proceed

Best Deal Negotiated

Hunter negotiates rate and cashback across all major lenders — banks often give brokers better rates.

Hunter does this

Seamless Switch

Hunter manages all paperwork, bank communication, and settlement. Typically 2–4 weeks.

2–4 weeks

Things Most People Overlook

What I check before recommending anything

Refinancing can be a costly exercise if you haven't considered everything. Hunter makes sure nothing gets missed.

Break Fees

If you're mid-way through a fixed term, your current bank may charge a break fee. Hunter calculates exactly what this would be and whether the savings from a new rate justify paying it.

Cashback Clawback

If your current bank gave you a cash contribution when you joined (typically within the last 3 years), you may need to repay part of it. Hunter factors this into the numbers so there are no surprises.

Legal & Valuation Costs

Switching banks usually involves legal fees and sometimes a property valuation. Hunter outlines these costs upfront and helps you access cashback to cover them.

Loan Structure Review

Refinancing is a great opportunity to review how your loan is structured — fixed vs floating, split terms, offset accounts. Hunter makes sure your new setup works harder for you.

Client Stories

Auckland homeowners who stopped refixing on autopilot

Real outcomes from people who ran the numbers.

"We'd been with the same bank for years and just assumed we were getting a good deal. Hunter showed us we were overpaying and switched us to a better rate with a decent cashback. Wish we'd done it sooner."

Sarah & Tom

Refinancing · Better rate & cashback · Auckland

"We had bad credit history and thought no one would touch us. Hunter found us a lender willing to work with our situation and helped us refinance for a fresh start. The whole process was straightforward and stress-free."

Jason & Michelle

Refinancing · Fresh start · Auckland

Honest Answers

Questions homeowners ask about refinancing

Sometimes yes, sometimes no — and Hunter will tell you honestly either way. It depends on your break fees, any clawback obligations, and how much better the new rate is. If switching doesn't save you money, he'll say so and can look at negotiating with your current bank instead.

Break fees apply when you exit a fixed-rate term early. The amount depends on your remaining term and how much rates have moved since you locked in. If your fixed term is about to expire, there are no break fees. Hunter calculates your exact break fee as part of the free savings check.

Refinancers can typically access cashback offers up to $20,000 depending on lender and loan size. Hunter knows which banks are running the best offers right now and factors this into the net saving calculation.

There is no catch. Hunter is paid by the lender when your loan settles — not by you. If the numbers don't add up, he'll tell you, and there's no fee for the calculation. This is standard practice across NZ mortgage broking.

The typical refinancing process takes 2–4 weeks from start to settlement. Hunter handles all the paperwork and bank communication so your involvement is minimal. Ideally start the conversation 4–6 weeks before your fixed rate expires.

Don't refix until you've seen the number.

The savings check is free, takes 5 minutes to request, and comes back within one business day. If the numbers don't add up, you'll know. If they do, you'll have everything you need to act.

Get My Free Savings Check Book a Free 30-Min Chat

Free · No broker call required · No obligation