Refinancing Your Mortgage Just Got a Lot Simpler
We handle all the legal work with your bank — quickly, remotely, and at a fixed fee. Right now 30% off our standard rates.
Get a fixed-fee estimate
We respond within 2 hours on business days.
No obligation. Estimate confirmed within 2 hours.
Done and dusted in four steps
Refinancing is one of the more straightforward legal transactions — we've streamlined every step.
Get your estimate
Fill out the form and we'll confirm your estimate within 2 hours. No hidden costs, no surprises.
We contact your bank
We liaise directly with your new and existing lender to obtain mortgage instructions and documentation.
Sign electronically
We prepare all documents and send them to you to sign electronically — no printing, no posting, no office visit.
Done
We register the new mortgage with LINZ and confirm everything is complete. Typically wrapped up within a few days.
Property law is all we do
We're not a general law firm that does some property on the side. Property transactions are what we do every day — including hundreds of refinances across New Zealand.
Fast turnaround
Most refinances completed within days of receiving instructions. We keep things moving.
Fixed fee, confirmed upfront
You'll know exactly what you're paying before we start. No hourly rates, no surprises.
100% remote — anywhere in NZ
Everything runs via Zoom and electronic signing. No office visit required.
Same-day responses
You'll always hear from us the same day. Our reviews consistently call out our communication.
"We recently worked with NZ Legal for our residential refinance. The process was seamless, and their team was incredibly efficient. What could have been a complex process felt effortless."
Nina Pope — Google Review
Everything your refinance needs
Our fixed fee covers the full legal scope — from the first call to LINZ registration.
Lender liaison
We deal directly with your bank to obtain mortgage instructions and documentation.
Mortgage documentation
We prepare, review, and explain all mortgage documents before you sign.
Electronic signing
All documents are signed electronically — done from your phone or laptop.
Mortgage discharge
If switching banks, we arrange discharge of your existing mortgage on the same day.
LINZ registration
We register the new mortgage with Land Information New Zealand.
Plain English throughout
We explain what's happening at every stage — no jargon, ever.
Claim your 30% discount now
Free, fixed-fee estimate within 2 hours. No obligations.