Your Mortgage Should Work For You, Not Against You.
If your financial situation or goals have changed, your existing home loan might not be the right fit anymore. Refinancing isn’t just about getting a lower interest rate—it’s a powerful financial strategy.
We analyse your entire lending structure to find opportunities to save money, reduce stress, and fund your next big move.
Your Simple Path to a Better Loan
Free Discovery Call
Health Check & Analysis
Application & Approval
Settlement & Savings
What Could Refinancing Do For You?
- Reduce Monthly Repayments: Secure a lower interest rate and keep more money in your pocket each month.
- Access Equity: Unlock the wealth you've built in your home to renovate, invest, or consolidate high-interest debt.
- Achieve Goals Faster: Change your loan structure or features (e.g., add an offset account) to pay down your mortgage sooner.
- Improve Cash Flow: Consolidate multiple debts (credit cards, personal loans) into one lower, simpler repayment.
- Find Better Service: Move to a lender that offers the support, technology, and features you deserve.
Why Refinance with Dura Capital?
- Strategic Review: We look at your why. We don’t just find a new rate; we structure your lending to help you achieve a specific financial goal.
- Access to Exclusive Deals: We have relationships with over 30 lenders. This means access to competitive rates and cash contributions that may not be publicly advertised.
- Senior-Level Negotiation: Leverage Hareen's 25+ years of banking experience. We negotiate from a position of strength to secure you the best possible outcome.
- We Handle the Hassle: We manage the entire application and transition process, coordinating with lawyers and bankers to make it smooth and stress-free for you.
Questions? You’re Covered
Often, the cash contribution from a new lender can completely cover the costs of switching (like legal fees). We will always provide a full cost-benefit analysis upfront so you can see exactly how much you’ll save—or if it’s not worthwhile right now.
This depends on your property’s value and your financial situation. Most lenders will allow you to borrow up to 80% of your property’s value without incurring Low Equity Premiums (LEPs). We can give you an estimate quickly.
Absolutely. This is where our expertise truly shines. We have access to specialist lenders who are more flexible with non-standard income or equity situations than the major banks.
Typically, from application to settlement, the process takes between 3-5 weeks. Starting the conversation early is key to a smooth transition.
Contact Us
Ready to unlock your financial potential?
Have a mortgage or business loan question? Simply ask us with no obligation!
We’re here to listen and guide you. Whether you’re buying your first home, refining your investment strategy, or seeking business finance, our expert team is ready to provide personalised advice tailored to your goals.
Reach out today for a free, no-obligation consultation—let’s start the conversation about your success.
Get in Touch with us!
Now operating in Auckland, Hareen has dedicated his expertise to serving New Zealand clients. He founded Dura Capital with a clear mission: to leverage his senior-level, international banking acumen to provide individuals, investors, and business owners with strategic, transparent, and highly effective financial advice. He believes in empowering clients by demystifying complex finance and structuring debt to build lasting wealth.
In essence, Hareen Wijesena offers a level of strategic financial guidance typically reserved for corporate clients, making it accessible to anyone seeking to achieve their property and business finance goals.
