Refinance your home loan with Finance Bloom

We will assess and compare your loan with hundreds of other mortgage brokers in Auckland, taking into consideration rates, fees, and features to ensure that you get the loan that’s best for you.

When should you get a home loan health check?

  • If you haven’t reviewed your home loan in the past 2 years
  • If you want to use equity from your house to invest in another property
  • If your interest rate is more than 3%
  • If you need to do some renovations
  • If you want to save more every month on your repayments

Why consider Refinancing your home loan?

There are several reasons why we don’t have the time to refinance our investment loans or our mortgages. We generally don’t have much time due to the daily demands of work, kids, sports, and family to follow the financial markets, which are continuously impacting interest rates and the deals provided by lenders. The length of your home loan can frequently be significantly shortened by a.05% shift in interest rates, thus this must be taken into account.

Due to continual rate changes made by banks and other lenders in the market, refinancing a home loan or an investment loan is an option.Lenders may alter your interest rate for a variety of reasons, including Reserve Bank adjustments, market liquidity, and their own desire for profit.

Consumers are taking advantage of the enhanced viability in the market and more competitive rates as a result of the introduction of new banks into the sector by refinancing their home loans.

You can reduce the amount of interest you pay to the bank by refinancing. You can choose to keep making the same payment after refinancing, which will result in a shorter loan payback and much lower interest rates, or you can bank the savings in repayments.

Depending on your financial position, refinancing and existing loan may create an opportunity for further investment or a second property.

Get financing for whatever you need now

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While it’s always important to carefully consider your financial situation before taking on a loan, sometimes a loan is the best way to finance a large purchase or project that you can’t afford the upfront

Strong Then, Strong Now

Our unique online technology gives you an instant quote and approval within hours.

Consistently High-Rated

We compare from the major lenders and negotiate directly to get you the best finance rate that will meet your lifestyle and requirements.

Promising life future

Whether you are looking for a loan for your home, business or personal use, we can certainly help. We provide premium kiwi service and always ensure our customers get the best deal with us.

Stability is Proven

We help you find the right loan and provide options on structure to reduce your debt faster.

Loan Eligibility

Any salaried, self-employed or professional Public and Privat companies, Government sector employees including Public Sector is eligible for a personal loan.


You’re over 18 years of age.


Hold a valid New Zealand driver license


Have a regular income


You’re a New Zealand resident or visa holder

Frequently Ask Questions

If you have a question that deals with clients, customers or the public in general, there is bound to be a need for the FAQ page.

Here at Finance Bloom, we have access to multiple lending partners, enabling us to offer our customers competitive and hassle-free home loan packages. Our finance team can organize a professional solution to your financial situation, tailoring a personalized finance package that suits your needs and budget. We want to make the home loan application and approval process as easy and stress-free as possible so you may worry less and enjoy your home more.

Refinancing can be a painful task. But with our assistance, the procedure will go quickly, easily, and smoothly. We have access to a wide range of lenders, which we can immediately compare with you. The phrase “home loan refinancing” refers to the process of changing your mortgage. During refinances, homeowners have the option of sticking with their present lender while switching their home loan products. In an effort to locate the finest incentives and lowest rates for homeowners, they may also decide to look for a different lender ready to take over the current mortgage. Whatever choice you decide on, Finance Bloom can help you locate the best house loan refinancing terms accessible to homeowners in New Zealand.