Refinancing

What we will take care of:

• Open our file, obtain your details, prepare and forwarding you our letter of engagement
• Receive loan instructions from your new lender and prepare loan documents
• Request a discharge of the mortgage and repayment statement from current lender
• Check rates are up-to-date and arrange for payment of any outstanding rates
• All steps necessary to set up an eDealing for registration of the discharge of mortgage and your new mortgage with LINZ
• Receive and check your current lender’s authority to discharge your mortgage
• Prepare authority for you to sign for registration of the discharge of mortgage and your new mortgage
• Obtain insurance details and notify insurance company of new lender’s interest
• Request and receive updated insurance certificate of currency
• Prepare statement of account
• Attend on your signing of all documentation
• Forward our solicitor’s certificate and loan documentation to your new lender
• Obtain guaranteed search of title
• Prepare for settlement
• Receive new loan advance and repaying current lender
• Complete registration and return securities to your new lender
• Report to you

Additional fees will apply on the following circumstances:

• Any additional lender requirements if your borrowing structure involves a trust or company or guarantees