Make your Mortgage an Asset with Advice and Education.

At mortgagehq, we believe mortgages should not be a burden for Kiwis. But instead a tool to help you build wealth, or to use as you get mortgage free.

Can you retire younger?

Take back control of your mortgage. Annihilate it, or leverage the bank to build your own investment portfolio.

The team at Mortgage HQ have mapped out the typical journey to create a profitable property investing portfolio – we call it The Mortgage Lifecycle. The Mortgage Lifecycle breaks down the journey into three stages. 

  • Our mortgage advisers are here to help you through every step of your journey.
  • The online masterclasses will show you what to do to get the results you want.
  • The Property Formula Workshop shows you the deep level nitty gritty, with step by step instruction to see you achieve your goals.
  • The 3 Property Accelerator is a fast, light version of the popular full workshop. This 7 Day Sprint will break down all the core principles for getting your first three investment properties. You can credit the course costs and upgrade at your convenience.

We have mortgage classes and property investment courses for every stage of your property investment journey. Whether you’re just getting started or are looking for advanced mortgage structure strategies, we’ve got something for all types of property investors and homeowners.

Build your portfolio with our Property Masterclasses

Stage 1: Mortgage Reduction

For those with a home.
Restructure your mortgage and property to pay it off in half the time.

✔️Available on-demand 24/7
✔️1 Hour of lifechanging content
✔️Downloadable PDF slide deck
✔️Complementary Repayment Planner
✔️Best for people in their first few years of home ownership

For just one payment of $7

Stage 2: Mortgage Expansion

For those with home equity or cash.
Set yourself up to buy 3 investment properties in 5 years.

✔️Available on-demand 24/7
✔️1 Hour of lifechanging content
✔️Downloadable PDF slide deck
✔️Complementary 4 Yield Calculator
✔️Best for people looking to grow their portfolio

For just one payment of $17

Stage 3: Mortgage Optimisation

For those with a portfolio.
Transform your portfolio into a profit machine.

✔️Available on-demand 24/7
✔️1 Hour of lifechanging content
✔️Downloadable PDF slide deck
✔️Complementary Mortgage Tool
✔️Best for people looking to optimise their return on investment

For just one payment of $23

Step away from the doom and gloom the media create and see 2023 as a great time to take meaningful action.

If you want to take advantage of all of the uncertainty in the property market over the next few years then pick up our new book.

After helping thousands of homeowners and investors get on the right path with their mortgages we decided to bind the best ideas and case studies together and create a roadmap for people who want to create financial freedom for themselves over a 10 year timeframe.

Don’t let rising interest rates (towards the average) and a falling property market (towards the average) stop you from making logical decisions about your wealth building. The world might seem like it’s falling apart but you can choose to ignore the ‘bad news’ that sells papers and TV advertising and focus on yourselves.

Pick up your copy and get some clarity on how to build a property portfolio that generates income for life and creates freedom for you and your family.

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Kiwis have trusted mortgagehq to review their mortgages.

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Wealth-building-mortgages under management.

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Five-star ratings on Facebook & Google.

The 4 Pillars to Your Financial Success

As seen in

We are proud to have been featured on a number of important New Zealand real estate, property and news websites. Some articles have written about us, some articles feature Andrew Malcolm’s contributions via interview and other articles were written by us. 


Good Advice made Hang $900,000 Dollars in 5 Years



Hang was feeling frustrated. She was pulling serious overtime hours but still only earning around $50,000 per year…​



2016 – First advice meeting with mortgagehq.
Portfolio Value (only her home): $665,000
Total mortgage: $320,000
Total equity/property net worth: $345,000

2017 – Bought first investment property for $190,000. Earning $16,640 rental income per year.

2018 – Recycled equity to buy second investment property for $180,000. This property was earning her $17,160 rental income per year.

2019 – Bought 3rd investment property for $285,000. Again she sourced this deposit by recycling equity from her home and previous investment properties. This was earning $20,800 rental income per year.

2020 – Bought her fourth cash flow positive investment for $334,000, which was earning $20,800 per year.
2021 – After discussing options with us, she eventually decided to sell her first investment to reallocate capital into a new property with development potential. She sold her 2017 investment property – doubling her money! Then purchased a $500,000 two unit property on a 2,600m2 section. This property is earning $31,200 whilst land banking!



Portfolio value: $2.8 Million

Portfolio equity: $1.2 Million (also her net worth in property)

Annual portfolio profit: $28,000+

She earns over $500 per week just from her investments.


Future Plans

She has achieved her dream of becoming mortgage free in just 5 years. Every day Hang wakes up knowing she is able to sell part of her portfolio to clear all her debt. Or if she sold all of her properties she would have $1,200,000 in her bank account.


Family of 3, Travis working full time and Bex working part-time, had invested in a couple of land banks in their portfolio and have made significant gains. However, with the elimination of interest deductibility and the rise in interest rates in 2023, they began questioning their investment strategy and needed guidance.


The client booked a free strategy session with us to explore alternative options for their portfolio. During the session, we introduced them to the concept of building a more balanced portfolio to mitigate the impact of interest rate changes. Despite having cash reserves to weather the interest rate rise, we proposed adding a block of units to their portfolio to further enhance its performance. He felt he really need to expand his knowledge so he joined our property formula workshop as well.


The client decided to proceed with our recommendation and acquired a block of units at a cost of $598,000 which included all healthy homes cost and finders fee. This property generated a remarkable rental income of $1,100 per week from social housing, resulting in an impressive yield of 9.55%. To optimize their overall portfolio, we strategically shifted the debt from the land banks to this new property, allowing the client to reduce their interest expenses and make the property’s interest tax deductible. This significant boost to their portfolio has given the client renewed confidence.


Future Plans
With the success of this transformation, the client is now considering offloading one of their land banks to acquire two additional multi-unit properties. This strategic move will further diversify their portfolio and create a more sustainable income stream for long-term wealth building.

Client Background

Joe, the breadwinner of a family of four, had diligently paid off their mortgage and was on the verge of becoming mortgage-free. However, he faced the question of what to do next. Living off a mortgage-free family home wasn’t enough to fulfill their long-term financial goals, and they lacked investment and retirement plans to secure their future.


Challenges and Concerns

Despite considering new builds and the government benefits associated with them, Joe had reservations. He questioned the cash flow negativity of these properties and doubted the capital growth potential due to their small land size.


To address Joe’s concerns and guide him towards a financially sustainable future, he participated in a free strategy session with us. We developed a 10-year plan that leveraged his existing resources and focused on building secondary income through property investments. Joe also joined our property formula workshop and became part of our tight-knit community for ongoing support and knowledge-sharing.



The results of Joe’s journey were remarkable. Within just eight months, leveraging our network and expertise, he successfully acquired three blocks of units in regional main centers with a total acquisition cost of $4.2 million. These properties were 100% financed using their freehold owner-occupied property. The portfolio comprised 17 rental units, generating a substantial rental income of $7,340 per month.


Future outlook:

Notably, each purchase was cash flow positive, despite the challenging interest rate environment and the recent changes to interest deductibility rules. Joe now has full confidence in his investment strategy, even assuming a conservative 6% annual capital growth. Over the next 10 years, this portfolio is projected to add an additional $3 million in equity, providing Joe with financial security and ensuring he will have more than enough for retirement. Additionally, it offers him the flexibility and options to support his children’s future endeavours.

Outstanding client results come from wise advice.

For you to experience extraordinary results we need to provide you with unusually good advice.

We do this by following a continually evolving process that moves past explaining your current options and includes forecasting how your decisions will create or eliminate options in your future.

Meet some of your team

Andrew Malcolm

Owner & Director

Blandon Leung

Owner & Chief Executive 

Andy Turner

wealthhq and insurancehq

Jarrett - mortgagehq bdm

Jarrett Finch

Head of Client Success

Marcia Te Ratana

Head of Settlement

Our Process

Popular Articles and Pages

We Are Hiring!

Are you an open-minded and investment-oriented chartered accountant with property experience?
Do you know someone who will fit this role?

Rules, Strategies And Tactics Of The Property Investing Game Revealed.

Have you ever seen how property investors create $500,000+ of profit from a single property purchase? We can show you the case studies. Enroll in the free 21-day email course today.