About ReFix
Clear advice for Kiwis finding the right loan
We’re a Hamilton-based lending advisory team helping people compare options, structure borrowing with confidence, and move from first enquiry through to settlement — without the runaround.
Who we are
ReFix exists to make home loan decisions clearer. Whether you’re buying your first home, refinancing, consolidating debt, or planning your next step, we focus on practical advice that fits your numbers — not a one-size product pitch.
We work across major banks and specialist lenders, explain the trade-offs in plain language, and stay with you through the application so you always know what happens next.
Whole-market view
Compare bank and non-bank options so you’re not locked into a single lender’s products.
Advisor-led support
A real person guides your enquiry, documents, and application — start to settlement.
Goals first
We structure lending around what you can afford and where you want to be — not the other way around.
Clear & honest
Rates, fees, and trade-offs explained upfront — including when something isn’t the right fit.