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Topping Up Your Mortgage

Topping up your mortgage allows you to borrow more money in addition to your home loan, using the equity you have in your property or the amount you have already paid off.  

There are many valid reasons why you might be looking to pull some equity out of your property to use elsewhere. Our team can assist you in talking with the banks regarding your financial position and serviceability. 

Benefits of a Mortgage Top-up

A note about mortgage top-ups for debt consolidation:   

For most situations, using a mortgage top-up to consolidate your short term debt isn’t recommended since it encourages you to get into more debt on depreciating assets. For a strong financial foundation, we recommend eliminating short-term debt and saving toward purchases instead.  

Use our Debt Crushers PDF to learn about 03 strategies for paying off short-term debt quickly and how to decide which strategy is right for you.  

The Process of Topping Up Your Mortgage


Book a 15-min mortgage chat with Futurebound




Keen to Top Up Your Mortgage?

Book in a chat with us now.

Keen to get started on refixing your home loan? Book in a 15 minute chat with us now. 

Benefits of Using Futurebound

Buying a home is the biggest purchase most Kiwis will ever have. The right advice and guidance can mean the difference of $100,000s.

We specialise in mortgages for wealth-building

Investment properties can be a great way to build your wealth and receive a passive income. Our team can show you how to use the equity in your current home to buy an investment property without using a cash deposit and how to structure your mortgages to ensure your get the best return on investment.

High approval rate

We are committed to getting you approved for the home loan you need. Obstacles don’t intimidate us!

Access to our Fast Track Your Mortgage Plan Lite*

All new lending over $300,000 receives access to our Fast Track Your Mortgage Plan Lite. This guide will help you pay off your mortgage up to three times as fast, saving you tens of thousands of dollars every year in interest costs. 

Stay on track towards financial freedom

Each year you’ll receive a comprehensive review of your mortgage including equity position, ability to buy your first or next investment property, insurance review and an update on your mortgage debt reduction plan. 


“Don’t leave your financial freedom to chance, Jeff is incredibly knowledgeable and passionate about helping build a better future. Highly recommend Jeff and the team if you have a property and are looking to increase your wealth by looking at buying an investment property. With Jeff’s help it is easier than you may think!”




“He arranged loan approvals from multiple banks with best interest rateJeff was very helpful and supportive to us in buying our first home. He arranged loan approvals from multiple banks with best interest rates. Very patiently answered all my stupid questions and advised us on bank loan repayments and finance planning. This actually helped us a lot to get through the stressful times. I would definitely recommend to anyone wants to get into the market.”



“Jeff is a really nice and considerate guy who really has your best interests at heart. He’s helped shave off tens of thousands of dollars of interest repayments, as well as helped me understand and implement ways to cut my mortgage repayment timeframe by about two-thirds. Thanks, Jeff and the team!”