For homeowners

Pay your home off years sooner

Keep track of your property and mortgage, know when it is time to review your loan, and request better refinancing options without starting from scratch.

Find my property
Free, and free to leave.
Drop a photo of an NZ home
27 Ōrākei Road, Remuera
$1.45m
Value
$742k
Loan
51.2%
LVR
Fixed rate ends 19 Feb 2027
101 days. This is the moment your rate is actually negotiable.

Most people refix on autopilot

Your bank sends a letter, you pick a term from the list, and the rate you end up with is the one they offered rather than the one you could have had. It happens because the alternative means digging out statements and rebuilding your whole picture for someone. OwnBetter keeps that picture current so the alternative takes a few minutes.

01
We find your property
Enter your name. We search NZ property records for titles in your name and show you what we find.
02
You add your loan
Connect your bank or type in the balance, rate and when your fixed term ends. Two minutes.
03
We watch the date
When your fixed term is coming up, or your equity has moved enough to matter, we tell you.
04
Advisers compete
Ask for options and advisers respond to a picture that is already assembled. You stay anonymous until you accept one.

A better rate is only half of it

When your rate drops, your bank quietly lowers your repayment. Leave the repayment where it was and the difference comes off the principal instead. On a $742,000 loan, a 0.5% better rate handled that way is years off the end of your mortgage rather than an extra $150 a fortnight you will not notice.

What it costs you
Free
Advisers and providers pay for the platform, not you
What we need
Your name
No documents, no credit check, no obligation
Who sees your details
Nobody
Until you request offers and accept an adviser

Start with your name. Nothing else.

We will show you what the public record already says about your property. You decide what to add from there, and whether anyone ever sees it.

Find my property