Interest rates change. Banks change. Your financial situation changes. A mortgage that worked for you two years ago might be costing you thousands today.
At Genesis Mortgages, we help you take control of your financial future by ensuring your loan is always at the sharpest rate and the best structure.
Refinancing is one of the easiest ways to save money and reduce financial stress. We do the heavy lifting to help ensure you are not paying a loyalty tax to your current bank.
We do not just look at interest rates. We build a debt strategy around your goals, cashflow, equity, and lender options.
We compare your current rate against the wider market to see how much you could save.
We negotiate cash-back offers that can often cover legal fees and put money back in your pocket.
We help calculate equity to fund renovations, a new vehicle, or an investment property deposit.
We can help roll high-interest credit cards, car loans, or personal loans into your mortgage.
We advise on splitting loans into fixed and floating portions to balance stability and flexibility.
We present your case clearly and push for sharper rates and better loan terms.
A screenshot showing your current rates, balances, and expiry dates.
Payslips or your most recent financial accounts if self-employed.
Your best estimate of what your home is worth in today’s market.
Balances for car loans, hire purchases, personal loans, or credit cards.
We assess your current rates, structure, and equity position.
We analyse rates, cash-backs, and criteria across multiple banks.
We recommend a structure, fixed or floating, that fits your 5-year plan.
We handle the paperwork and present your case to the chosen lender.
We push for the lowest possible rates and the highest possible cash-back.
We manage the settlement with your lawyer to ensure a seamless transition.
| Feature | Refixing | Refinancing |
|---|---|---|
| The Action | Staying with your current bank but choosing a new rate. | Moving your entire loan to a different bank. |
| Best For | Quick updates when rates are competitive. | Gaining a cash-back or better loan structure. |
| Cost | Usually free. | Possible legal fees, often covered by cash-back. |
| Benefit | Low effort and maintains current relationship. | Can save thousands in interest and improve flexibility. |
Usually 60 days before your fixed rate expires. If rates have dropped significantly, it may be worth paying a break fee to save more long term.
There can be legal fees when switching banks, but cash-back offers we negotiate usually help cover these costs.
A refix can be instant. A full refinance typically takes 5 to 10 working days.
Yes. Rolling high-interest debt into your mortgage at mortgage rates can improve weekly cashflow.
Do not leave your money in the bank’s pocket. Let’s review your loan, compare your options, and put that money back in yours.
View our Google Reviews and see how Genesis Mortgages has helped homeowners optimise their wealth.
We compare options across a wide network of trusted lenders to help you secure the right loan structure for your goals.
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