Mortgage Genius Plan | Home Loan Restructuring

Work Smarter and Faster towards being Mortgage-Free

The Mortgage Genius Plan® is designed to help homeowners understand ways to manage their repayments more effectively by optimising how income and savings are used within their loan structure. This approach may support paying down the mortgage sooner and reducing overall interest costs, depending on individual circumstances (T&Cs apply).

For over 25 years, Global Finance has offered similar services to its customers—based on their individual circumstances and preferences, and at their request and consent, helping them explore ways to potentially repay their mortgage faster.

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The Mortgage Genius Plan®

The Mortgage Genius Plan® is a flexible mortgage management approach and is a proprietary service offered by Global Finance (one of New Zealand’s most highly awarded mortgage brokers) designed to help homeowners manage their home loan more effectively. The potential to repay a mortgage faster and save on interest depends on your income, expenses, loan structure, and other financial commitments.

Instead of following a standard 25–30 year loan term, the Plan helps you understand how to make better use of surplus income or savings, which may allow you to reduce the overall life of your loan. Individual results will vary depending on your income, expenses, and financial discipline (T&Cs apply).

How It Works

Comprehensive Financial Review

We work with you to review your income, savings, expenses, and financial goals.

Personalised Loan Strategy

Where suitable, we help design a personalised loan structure aligned to your financial goals, income, and lifestyle, with the aim of optimising your repayments and potentially reducing overall interest costs over the life of your loan (T&Cs apply).

At your choice & convenience, we can review your loan structure to ensure it stays aligned with your changing financial circumstances.

Ongoing Reviews

By staying consistent with repayments and contributing additional funds when possible, you may be able to reduce interest and pay off your loan sooner (T&Cs apply).

Savings Optimisation

Who the Mortgage Genius Plan® May Suit

The Plan may be appropriate for:

Homeowners with a stable income and regular saving habits.
Those aiming to repay their home loan faster without increasing regular repayments.
Individuals willing to set aside savings for loan optimisation while maintaining their lifestyle.

Who the Mortgage Genius Plan® May Not Suit

The Plan may not be appropriate if:

You struggle to save consistently after meeting your essential living costs.
You have other financial priorities for your savings.
You are not comfortable following a structured financial plan.

Key Risks and Considerations

It’s important to understand outcomes may be affected by the following:

Interest Rate Changes

Fluctuations in interest rates may affect repayment amounts and potential savings.

Income Changes

A reduction or loss of income could impact your ability to maintain savings or repay as planned.

Lending Policy Adjustments

Changes in bank or lender policies may affect loan restructuring or debt consolidation options.

Unexpected Financial Events

Events such as job loss, new debts, emergencies, or lifestyle changes could limit the effectiveness of the Plan.

The Mortgage Genius Plan® is designed as a mortgage management tool, not a guarantee. Results depend on your individual circumstances, financial behaviour, and discipline. This information is general in nature and does not constitute personalised financial advice. We recommend seeking tailored advice before making decisions about your mortgage.

Frequently Asked Questions

There’s no up front cost to use it. The Mortgage Genius Plan® is a money management approach designed to help you understand smarter ways to manage your repayments and potentially reduce interest over time. It’s tailored to your personal financial circumstances and goals, and it typically comes at no additional cost for the lifetime of your loan. Refer to our disclosure statement for more details.

Once you've fixed your loan, it's important not to just forget about it. Interest rates and financial circumstances can change. At Global Finance, we recommend an annual or six-monthly review with an advisor to assess the effectiveness of your mortgage plan and make adjustments if needed. Regular reviews help you keep on top of your financial goals and ensure that your mortgage stays in line with your changing circumstances.

Our job is to work for you. We review market options to help identify competitive interest rates and any available cashback offers, and we can clearly explain how each option works. Under the Mortgage Genius Plan®, the Global Finance team can provide ongoing reviews, support, and manage mortgage related discussions with lenders on your behalf. Your adviser will keep you well informed throughout the process, taking the time to explain everything in a straightforward way and answering any questions you may have.

The Mortgage Genius Plan® is a flexible mortgage management approach that can be implemented with any bank we are accredited with— whether you remain with your current lender or move to a new one — even if your loan is currently on a fixed term. At Global Finance, we can review your situation and help identify an appropriate time to implement the plan by assessing potential costs and potential savings, so you can make an informed decision about whether it’s right for you.

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While we're proud of the awards we've received over the years, our greatest achievement is helping customers achieve their financial goals with confidence.