Stop chasing.
Get the financial clarity to catch
your Kiwi dream.
As featured in
Personalised financial advice that removes the guesswork from your money.
We help you secure your ideal property, optimise your KiwiSaver, and protect your family with the right insurance.
How we help you move forward
Step into your home.
From unlocking your KiwiSaver for that first set of keys, to coordinating two mortgages to upgrade, the NZ property market is a lot to carry. We simplify the deposit rules, bridge the gaps, and structure your loan so you can claim your space without the financial hangover.
Wake up your equity.
Is your current mortgage still working for you, or are you paying a hidden loyalty tax to your bank? We audit your current rates, restructure your debt to pay it off faster, and negotiate with lenders to put money back in your pocket. We make sure your KiwiSaver maximises your wealth portfolio, opposed to killing your options in retirement. Protecting your wealth is a key pillar to your next steps
Turn equity into wealth.
You don't need a massive cash deposit to buy your next investment property—you just need a smarter strategy. We show you how to safely leverage your existing home's value, optimise tax structures, and build a lasting Kiwi property portfolio.
Not sure which journey is right for you?
Take the starting point checkup
An introduction to the foundations of our advice
The Mortgage Lifecycle explained
In this video, Simon explains what The Mortgage Lifecycle is, what stage you might be in, and how to use The Mortgage Lifecycle to build the right strategy and make confident decisions.
Real results, proven track record
5,000+
Kiwi families served
$3B+
Under management
700+
Five-star Google reviews
11 years
Of doing things right
What will the banks actually lend you?
Bank calculators are built to protect the bank, not you. Our 60-second snapshot uses real-time NZ lending criteria to reveal your true borrowing power. Whether you’re trying to step onto the ladder with a KiwiSaver deposit, or unlocking equity from your current home to fund your next big move, get your realistic number without the red tape.
- No credit checks, no impact on your score
- Updated for current NZ bank stress-test rates
- Takes just 3 minutes
How we partner with you
Discover our straightforward, 5-step process designed to cut through the red tape and structure your mortgage for long-term success.
Map your starting point.
No stress, no jargon. We sit down to understand where you stand today, sort your initial paperwork, and identify any hidden blind spots.
Design your custom path.
We build a clear, tailored plan to plan your deposit, structure your loan to pay it off faster, or prepare your equity for investment.
We get it sorted.
We handle the bank applications, negotiate with lenders to secure competitive rates, and manage the paperwork so you can claim your keys.
Protect your progress.
We don’t drop you after settlement. We proactively monitor interest rates and manage your mortgage refixes to avoid paying more than you need to.
Build your Kiwi wealth.
From your first home to your next investment, we help you safely leverage your equity to grow your portfolio and fund your lifestyle.
Our key advisory team
Meet the rest of the MHQ team
Simon McDonald
Managing Director & Financial Adviser
With a rich background as a business owner, property investor, and military leader, Simon delivers tailored mortgage advice at MHQ to help clients achieve financial success.
Meet Simon
Zhiyang Cheng
Mortgage Adviser & Sales Manager
With a strong background as an elite adviser and former national athlete, Zhiyang delivers optimal mortgage structures at MHQ to guide clients toward financial freedom.
Meet Zhiyang
Andy Turner
Head of Advice (Insurance & KiwiSaver)
Andy is a Director and Head of Advice at MHQ with 18+ years in financial services, passionate about helping Kiwis protect their wealth and make confident financial decisions.
Meet Andy
Anna Savage
Head of Advice
With over seven years of industry experience, Anna simplifies finance for first-home buyers and property investors, empowering them to reach their wealth goals.
Meet Anna
Jason Lai
Head of Performance
Jason is the Head of Performance with 10+ years of property experience across Australia and New Zealand, passionate about helping clients make confident lending and property decisions.
Meet Jason
Success Stories — of 3
Aarav
I’ve been working with Kevin & Simon and the team for several years across my property portfolio, and the experience has consistently been excellent. Their communication is clear, proactive and genuinely supportive. They make complex lending structures easy to understand and always present well-thought-out options that align with my goals. I highly recommend them to anyone looking for reliable and strategic mortgage advice.
*Alias name and photo used to protect client privacy
Bob
Great experience throughout the process. I've contacted MHQ for my first investment property. The team have gone through all the details and provided valuable advice. Highly recommend to anyone who may need Financial assistance.
*Alias name and photo used to protect client privacy
Joan
We are very happy with Hari’s service and would highly recommend him. He really knows what he is doing, is smart and efficient, and always gives practical advice. He is also very easy to reach and quick to respond, which makes the whole process so much easier. We really appreciate his professionalism and the way he gets things done. Thank you, Hari!
*Alias photo used to protect client privacy
Ready to take action?
Book a call with an adviser to start your own journey.
Ready to take action?
Book a call with an adviser to start your own journey.
Ready to take action?
Book a call with an adviser to start your own journey.
Take control of your portfolio.
Property
Whether you are pulling together a deposit to buy your first home, upgrading to fit a growing family, or leveraging equity to fund an investment, we build the clear, customised mortgage plans to make it happen without the stress.
Insurance
Building wealth is pointless if you don't secure the foundation. We design simple, tailored insurance plans to protect your income, cover your mortgage, and provide absolute peace of mind for your family if life throws a curveball.
KiwiSaver
KiwiSaver is one of your most powerful financial assets, but for many Kiwis it simply sits in the background. Whether you’re building a first-home deposit or preparing for retirement, we review your provider, fund, risk settings and contributions to make sure your KiwiSaver is working toward the right goal.
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Your Partners In
Financial Freedom
Are You Missing the Next Step in Your Financial Journey?
Don't let an outdated strategy cost you thousands. Find your current Mortgage Lifecycle stage and unlock your next move.