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MEET OUR INDEPENDENT MORTGAGE BROKERS.

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A lot can change over the course of your mortgage. As property prices go up, interest rates fluctuate and your personal circumstances change, a home loan that might have been right for you a few years ago may not be the best option for you now.

Let’s change that. Here at OneStop Financial Solutions, we provide leading mortgage refinancing and refixing services that keep your needs as a homeowner front and centre. Whether you want to secure a lower interest rate, pay off your home loan quicker or consolidate debt, we’ll work our magic to negotiate the best deals on the market and provide expert advice to help you make a more informed decision.

REFINANCING

Refinancing is the process of swapping out your old home loan for a new home loan to ensure your mortgage is a good match for your current financial situation.

By taking out a new home loan – either with the same lender of a different one – you may be able to reduce monthly payments and/or shorten the term of your loan, which can save you substantial amounts of money. It’s not uncommon for our clients to save $5,000 in the short term and as much as $100,000 in interest over the life of their mortgage.

How Do We Do It?

We start by working with you to understand your requirements, analysing your current mortgage and reviewing your financial situation. Based on this information, we tap into our extensive network of leading lenders to bring you a range of great home loan products that offer the best mix of rates, flexibility and fees. Lastly, we help you weigh up your options, negotiate with lenders on your behalf and answer any questions you might have along the way.

REFIXING

Refixing is the process of locking in a new rate at the end of your fixed-rate term. Fixing at a lower rate allows you to reduce your monthly repayments, improve cash flow or shave years off of your loan.

While most lenders will propose a new fixed rate when your existing rate expires, we’re firm believers that you should fully explore your options before signing anything to ensure you’re getting the best deal for your circumstances.

TALK TO OUR MORTGAGE SPECIALISTS

If you’re approaching the end of your fixed term, talk to the mortgage specialists at OneStop Financial Solutions. Drawing on our extensive industry experience, we’ll negotiate with the banks on your behalf to secure the best rates on the market and help you structure a mortgage that supports your unique financial goals. Our refixing services are completely free and we strive to always work with your current bank where possible to help you avoid break, lawyer and valuation fees.

Get our advice for free

Great advice usually has a cost, but our expertise is free to first home buyers because the bank pays us! Banks pay us a commission because we are essentially doing all of the hard work for them. Most importantly we are strictly ‘unaligned’ which means we are not obligated to do business with one particular bank over any other, which means you’re always getting the best options and advice based on which bank is best for you.

READY TO GET STARTED TODAY?

  • NFirst Home Buyers Auckland Wide
  • NMobile Mortgage Brokers
  • NIndependently Owned
  • NSpecific Advice Includes Tailored Debt Reduction Techniques
  • N100% Free Service
Google Rating
5.0
Based on 15 reviews
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    Social Rating
    5.0
    Based on 15 reviews

    Matt and the One Stop team were incredibly helpful securing my mortgage and insurance. He thought out side the box and worked hard to overcome a few hurdles along the way. He was incredibly professional yet relatable and approachable. He made my first home buying experience incredibly smooth and easy. Thanks Matt!
    Gavin Woodward
    Gavin Woodward
    21:57 19 Oct 21
    A great help. made things so much easier for us
    Baby Online
    Baby Online
    04:58 08 Jun 21
    Wow what can I say, my first home buying went so much smoother than I ever imagined! I knew absolutely nothing about mortgages and Matt had explained everything in terms I could totally understand. He made the whole process smooth and seamless, without much work from us because him and his team had done it all! Thank you so much for everything you've done so far 🙂
    Olivia Atrushi
    Olivia Atrushi
    02:47 08 Jun 21
    Matt Willoughby and TeamProfessional, Caring and ProactiveWords cannot explain how grateful we are to work with Matt and his team to buy our very first home. They made the impossible possible. We were delighted by their professionalism and how proactive they were throughout this whole process. Matt and team got our trust from day 1 cos he showed that they care and will do everything possible to make things work. To Matt, Dave and the rest of the Team Matt Willoughby East Tamaki. Thank you so much for your guys relentless effort. We are proud first home owners and we forever appreciate you.
    ea faletau
    ea faletau
    04:10 16 Apr 21
    Matt was easy to work with and did a great job of negotiating good rates for our mortgage. Our pre-approval came through really quickly thanks to Matt and his team. We found the advice received on how to structure the mortgage very clear and helpful.
    Natalie C
    Natalie C
    08:28 07 Apr 21
    Matt and his team were amazing during the entire house hunting and purchasing process. We crossed the line with a wealth of knowledge thanks to Matt taking the time to simplify and considerately interpret the sometimes confusing nature of having a mortgage. Thanks again.
    Matt Setefano
    Matt Setefano
    19:42 24 Feb 21
    I will recommend Matt to everyone. My partner and I owe him for helping us get into the Auckland property market. Not only is he professional, simplifies the daunting process of purchasing a home. He is always a phone call away when you have any questions (very quick in returning a call).When issues or concerns were raised by the bank, Matt went into fight for us and got us across the line.Thanks Matt, five stars ⭐️ ⭐️⭐️⭐️⭐️
    Paul Norman
    Paul Norman
    05:35 29 Sep 20
    Matt and his team were awesome at helping us into our first home. They were professional, communicative and would go out of their way to ensure that we were tended to at every stage of the process.
    Dominic schryvers
    Dominic schryvers
    23:01 18 Mar 20
    My husband and I had a 3year goal in place to buy our first home. A friend of ours told us about Matt Willoughby so i sent him a text. Matt and his amazing team were able to help us buy our first home in less than 6months. What seems impossible quickly became a reality for us.Although a few hiccups on the way, matt was able to quickly fix it and inform us along the way. Ive seen people go through this process of buying a home and being stressed, but our experience was great! absolutely recommend Matt and his team.Thanks again Matt and team for helping us.
    Vaioleti Atiola
    Vaioleti Atiola
    03:08 21 Feb 20
    Our dream of being first home buyers seemed unreachable until we found Matt! Thankyou so much for the awesome advice and encouragement along the way. Excellent!!
    Melanie Boyce
    Melanie Boyce
    05:06 28 May 19
    We would not have been able to fulfill the kiwi dream and buy our first home if it was not for Matt Willoughby Ltd. They respond quickly and were able to communicate in a way that let us understand the entire process. Will use again for any lending in the future.
    Tim Booth
    Tim Booth
    01:15 23 May 19
    Absolutely fantastic, really communicative and patient for a first-home buyer that hasn't gone through this process before. Would highly recommend his services.
    Shane Henderson
    Shane Henderson
    03:24 08 Mar 19
    Matt Willoughby you have helped both me and my partner so much! You have exceeded all expectations and gone above and beyond! Matt helped me and my partner re-finance our mortgage he helped us with everything! It was a struggle as it felt like everything that could go wrong went wrong but he persevered and not only got us a "good" interest rate he got us the BEST interest rate and the BEST repayments. I would highly recommend Matt as he makes the impossible happen and doesn’t pass that stress on! Matt you are amazing take credit you deserve this so much you literally ease the stress and you take the weight off your client’s shoulders! You have done an amazing great job Thank you SOOOOOOOOOOOOOO MUCH 100+ Stars 🙂
    Flo & Geoff
    Flo & Geoff
    20:45 20 Dec 18
    So helpful! Matt helped secure us a really good rate with great cash back and a loan structure that will take years off our mortgage!
    Laura Thompson
    Laura Thompson
    20:10 06 Dec 18
    SAME PEOPLE, NEW BRAND
    Hi there, we have moved from mattwilloughby.co.nz to our new home onestopfinancial.co.nz. If you have any question, please contact us. Otherwise, welcome to our new site!