Keep

My fixed rate is ending

Stay, negotiate, or switch

A cashback is not free if you have to pay it back. A lower rate can lose to a break fee. We put the rate, the cashback, the break cost and the clawback in one comparison, then a person talks it through.

Compare a switch

Current splits against another lender. Break-fee estimate, cashback and clawback in the same view. A free account saves the comparison.

Open the switch calculator

Talk it through

Bring the bank's rollover letter. We say whether staying is the better deal. Most clients pay nothing.

Book a chat

Market comparison

We compare 30+ banks and lenders — not just your current bank's rollover letter.

Honest trade-offs

Cashback vs rate, clawback risk, switching costs — we model the real numbers.

Annual reviews

We don't vanish after settlement. Free yearly check-ups keep you on track.

Rate alerts & refix reminders

We'll tell you when it's time to act

When market rates fall meaningfully below your current rate — or your fixed term is approaching rollover — we'll reach out with a personalised review invitation. No spam, just timely prompts when something actually changes.

  • Refix date reminders (6, 3 and 1 month before rollover)
  • Rate-drop alerts when market moves in your favour
  • Unsubscribe any time

Set my refix reminder

Enter your details and we'll remind you when it's time to review your loan. Especially useful if your fixed term ends in the next 12 months.

Most clients pay Keep nothing. The lender pays a commission when a loan settles. If a fee would apply, we say so in writing first. Keep Limited is a demo advice firm — FSP1000000 is a placeholder, not a real licence. How we are paid.

Real outcomes for refinancers

Illustrative case stories for this demo — the kinds of results a structured loan review delivers.

Saved $3,800/year

Rolled-over rate negotiated down — no bank switch needed

Hannah M. · Wellington

Stayed with current bank on a sharper rate

  • ·Fixed term was rolling over; bank offered standard rate only
  • ·We compared the market and used it as leverage with her existing lender
  • ·Avoided switching costs and clawback on a recent cashback
“Sarah negotiated a far better rate and a cashback I didn't even know existed. Saved us thousands without the hassle of moving banks.”
Saved $4,200 over 2-year fixed term

Cashback vs rate — the maths that changed the decision

David & Karen T. · Christchurch

Switched lender with full clawback disclosure upfront

  • ·Tempted by a large cashback from a competitor
  • ·We modelled total cost over the fixed term — lower rate elsewhere won
  • ·Explained clawback period so they knew the true cost of leaving early
“They showed us the real numbers, not just the headline cashback. We switched with confidence.”
Saved $420/month

Debt consolidation + refix in one structured review

Margaret W. · Dunedin

Simplified repayments and reduced monthly outgoings

  • ·Three higher-interest debts rolled into home loan at refix
  • ·Clear plan to avoid re-accumulating debt
  • ·Annual review booked for next anniversary
“For the first time in years I'm not stressed about money. They gave me a real plan, not just a rate.”

Ready for your free loan review?

Book a no-obligation chat or schedule your annual review — usually at no cost to you.

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