Alex and Harry have been absolutely amazing to work with for my first home, very professional, smooth and everything was explained very clear. Highly recommend
See what you could save
We'll tell you
if you're overpaying
on your mortgage.
Many Kiwi homeowners save thousands a yearwhen they refinance. We'll review your loan across 20+ lenders and tell you, honestly, whether it's worth switching — or whether you're already set up well.
4.97 from 1,073+ verified reviewsFree · no obligation · 15 minutes
At Total scale
Numbers we're
proud of.
$1.27 billion of mortgages — settled, not just quoted.
$0.00b+
Settled lending
0+
Settled loans
0+
Verified reviews
The lender panel
We negotiate with 20+ NZ lenders.
So you don't have to.
Industry recognition
Award-winning
advice, year after year.
Recognised every year by the NZ Mortgage Adviser industry.
Top Advisers 2026
Top Advisers 2025
Top Advisers 2024
Top Advisers 2023
Fast Brokerage 2023
Top Advisers 2022
Top Brokerage 2022
Top Advisers 2021
Young Guns 2021
Top Advisers 2020
Fast Brokerage 2020
Young Guns 2020
Top Advisers 2019
Top Advisers 2026
Top Advisers 2025
Top Advisers 2024
Top Advisers 2023
Fast Brokerage 2023
Top Advisers 2022
Top Brokerage 2022
Top Advisers 2021
Young Guns 2021
Top Advisers 2020
Fast Brokerage 2020
Young Guns 2020
Top Advisers 2019
Our promise
We'll tell you if refinancing isn't worth it.
Plenty of clients leave our call with the same advice: stick it out, come back when the timing's right. Whatever the answer — switch, wait, or come back later — it's based on your actual numbers, not a sales target.
Recent wins
What a check
looks like in practice.
Was on 6.49% with $580k owing, locked in at the wrong time.
We moved her to 6.05% with 0.9% cashback ($5,200).
The win
$213/month in interest saved, plus $5.2k cashback in her account week one.
— Sarah, Auckland
Real stories
Hear from people
we've helped.
Steve
Stacey
Marissa
Paul
Taylor
Rhys
Customer reviews
4.97 from 1,073+
verified reviews.
From the founder
Why we
built Total.
Jordan Cameron, founder of Total Mortgages, on what's actually different about getting your mortgage from us.
What you gain
A quick review
could save you
thousands.
Lower your rate
We'll shop across 20+ lenders to find you a sharper one.
Get cashback
Banks pay $3,000–$30,000 to switch. We know who's paying what this week.
Consolidate debt
Roll high-interest debt into your mortgage. Free up hundreds a month.
Renovation top-up
Use your equity to fund the work. We'll show you exactly what's borrowable.
Green energy top-up
Solar, insulation, heat pumps, EV chargers — most banks offer dedicated low-rate loans for energy-efficient upgrades.
Offset or revolving credit
Park your savings against the mortgage to lower the interest, without losing access to the money.
Free annual reviews
Refix coming up? We'll re-shop the market for you every time, not just at switch.
How it works
Three steps.
Sorted within
15 mins.
01
Tell us about your loan
Takes a minute. Just the basics — lender, rate, balance, when it rolls.
02
We do the maths
We pull live offers from 20+ lenders and crunch the real saving for your situation.
03
You get a clear answer
If switching wins, we handle the paperwork. If it doesn't, we'll tell you straight.
Common questions
The stuff people
actually ask.
If yours isn't here, run the check and we'll cover it when we come back. Or ring 0800 777 337.
Yes. There's no cost to you for the call, the review, or arranging the loan. Banks pay us a commission on settlement — it's the same whether you go direct or through us. We negotiate harder, which often means a sharper rate or extra cashback than you'd get walking in yourself.
No. We can run the numbers and tell you if it's worth switching without ever pulling your credit. A credit check only happens when you give us the green light to actually apply.
We'll calculate the break cost for you. If the saving from a sharper rate plus cashback beats the break cost, switching wins. If it doesn't, we'll tell you to wait — and exactly when to come back.
Equity matters more than rate. If your loan is now above 80% of your property's value, the sharpest rates and full cashback may not be on the table — but we can often still get you a better deal than you're on. We'll be straight on the call about what's realistic given where your equity sits.
We work with a lot of self-employed Kiwis. The docs are different — typically two years of financials and IR3s instead of payslips — but the process is the same. Some lenders are friendlier to self-employed borrowers than others, and we know which ones to point you at.
Yes. Refinancing isn't only about rate — it's also a chance to release equity for renovations, an investment property, or to wipe higher-interest debt. We'll show you what's borrowable based on your equity and income, and the trade-offs of each option.
Most banks claw back the cashback if you refinance away again within 3 or 4 years — that's standard across the market, not a Total thing. We'll spell out the exact clawback period before you commit, so there are no surprises later.
We work for you, not the bank. One conversation, 20+ lenders compared, and you only ever apply to the one that fits best. We send the banks around a quarter of a billion in new lending every year — that volume usually means sharper rates and bigger cashback for our clients than they'd pull walking in alone.
Most refinances are sorted within 4 weeks. We do the heavy lifting — paperwork, lender chasing, valuations — so you don't have to chase anyone yourself.
On the call: your current loan balance, rate, and lender. To proceed: a recent payslip (or financials if self-employed), latest bank statements, and ID. We send a checklist after the call so nothing's missed.
You'll get a confirmation right away with your numbers and a quick read on whether switching looks worth it. If it does, we'll book in a 15-minute call to walk through the options across the panel, answer your questions, and lay out the next steps. If it doesn't, we'll tell you that too — and when to come back.
Ready when you are
See if you could get a better deal on your mortgage.
60 seconds. Free. No obligation. We'll come back with a real answer based on your actual numbers.