Refix & Refinance
Is Your Mortgage Working as Hard as You Are?
When your fixed rate expires, you have a choice. Nexa reviews the full market to tell you whether to refix with your current lender or switch to a better deal — completely free.
Refix vs refinance — what's the difference?
Refixing
Refixing means locking in a new fixed rate with your current lender when your existing term expires. It's quick, with no legal fees — but you may be leaving a better deal on the table.
Best if your current lender has a competitive rate and you want simplicity.
Refinancing
Refinancing means moving your mortgage to a new lender to get a better rate, structure, or features. It involves some paperwork and legal fees, but the savings can be significant.
Best if another lender is offering a materially better rate or your circumstances have changed.
How Nexa helps you get the best deal
Free Rate Review
We review your current mortgage structure, remaining term, and rate — then compare it against the current market to find out if you're getting the best deal.
No Bias Towards Any Lender
Unlike going back to your bank, we compare 15+ lenders. If someone else has a better rate for you, we'll tell you.
We Handle the Switch
If refinancing makes sense, we manage the entire process — paperwork, legal coordination, and lender communication — so you don't have to.