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← Residential Property

Mortgage Refinancing

Switching banks or changing your loan? We handle the legal steps so your refinance settles on time. Clear costs. No fuss. Based in Wellington, we work across New Zealand and support overseas clients.

Simple, reliable refinancing support

When to refinance

Chasing a better rate, fixing cashflow, or rolling short-term debt into your home loan? We’ll tell you what’s sensible and what to watch.

What to expect

We line up bank conditions, discharge the old loan, register the new mortgage with LINZ, and keep you updated at each step.

Refinancing is about timing and tidy paperwork. We coordinate your bank, the discharge, and new mortgage so settlement is smooth.

Who we help

Homeowners refixing or moving banks
Investors restructuring lending
First-home buyers rolling bridging loans
Overseas owners and expats

What’s included

Discharge of old mortgage and registration of the new one
Coordination with your banker/broker and rates team
Settlement, payout figures, and updated title sent to you

How it works

1. Quick check

Share your bank offer and target settlement date. We confirm steps, likely costs, and any timing risks.

2. Paperwork & instructions

We request discharge from your current lender, set up the new mortgage, and prepare the authority forms.

3. Pre-settlement

We lock in payout figures, confirm rates and loan structure with your bank, and line up the settlement time.

4. Settlement & wrap-up

Funds move, old loan closes, new mortgage is registered. We send your confirmation and updated title record.

Ready to refinance? Send your bank offer and preferred settlement date. We’ll confirm next steps and costs.

The Team

mortgage refinancing

Richard Allen

Partner

Richard leads the firm’s property and private client teams. He has previously run his own practice and worked for one of the largest firms in New Zealand. Richard’s specialises in trusts, asset protection, and life planning. Richard’s clients appreciate the fact that he is approachable and down-to-earth, delivering pragmatic solutions to his client’s legal problems. More about Richard Allen

Tom Pivac

Consultant

Tom has been in the practice for well over 40 years. The focus of his practice is residential property, family property and small businesses. Tom is well known in Wellington, the Kapi-Mana area and the Kapiti Coast and has served these areas for almost the entire time he has practiced. Tom’s clients enjoy his straightforward, no-nonsense style of communication.

Supported by Valerie Maher

More about Tom Pivac

Robyn Karam

Senior Associate

Robyn has experience in both the residential and commercial property teams. She has become the “go to” specialist for complex land matters including major residential developments, subdivisions and all matters of title. Robyn’s clients benefit from the clear advice and attention to detail that she pays to each transaction.

Supported by Elaine Mackay

More about Robyn Karam

Shannon McEwen

Associate

Shannon joined the firm in 2018 having previously worked for a well-respected firm in Lower Hutt. Shannon’s areas of expertise are residential property, relationship property, and asset protection. Shannon’s clients appreciate the timely and effective manner in which he responds to client needs. More about Shannon McEwen

Get In Touch

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