Refix & restructure your mortgage

Your mortgage should work for you, not the other way around. Whether you’re ready to lock in a smarter rate, shift your repayment strategy, or re-structure your loan to match your evolving life, we guide you through each step with clarity and confidence.

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When interest rates shift, life changes, or you simply want a better financial position, it might be time to refix or restructure your mortgage. At Lendal Mortgages, we help you evaluate your current loan, explore smarter structures and rates, and implement changes that align with your goals today and tomorrow.

Refixing means you lock in a new interest rate (or blend fixed and floating terms) for your existing loan with your current lender, bringing certainty to your repayments. Restructuring takes that further by changing the way your loan is set up, splitting fixed/floating components, introducing offset accounts or revolving credit options, or adjusting your term and repayment type.

We’ll do more than just find you a rate. Our team examines your overall financial situation, monitors market conditions, and identifies opportunities to save interest, improve flexibility, or align your loan structure with your changing life (whether you’re renovating, investing, or planning ahead). We remain by your side during negotiations, documentation, and settlement so you can proceed with confidence.

Personalised advice, not one-size-fits-all

Expert timing and market insight

A smooth end-to-end process

The process

1. Get in touch

Reach out for a quick chat about what you’re looking to achieve, and we’ll point you in the right direction from the start.

2. Share your details

We’ll gather the information we need to understand your situation fully and prepare a strong, well-supported application.

3. We work with the lenders

Our team handles the process with the banks and lenders—negotiating, presenting your application, and making sure everything stays on track.

4. Finalise and settle

If lenders need anything extra, we’ll guide you through it and keep you updated until your approval is confirmed and your finance is ready to go.

Need to talk with someone about your mortgage?

Give us a call or send us a message and we'd be happy to help with any questions you have.

Get in touch