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.

Education Advice

Do you want to be mortgage-free?​

Let us show you how to take back control of your mortgage. Either to annihilate it, or how to use the bank’s money to build your own investment portfolio.

We 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.

Our masterclasses and courses are completely self-paced. It’s easy to fit them into your schedule. You can binge them over a weekend or two or watch one video at a time over the course of months. They’re available on-demand 24/7.

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 everyone.

Stage 1: Mortgage Reduction

For those with a home.
Restructure your mortgage and property to pay it off in half the time.
Masterclass Stage 1

Stage 2: Mortgage Expansion

For those with home equity or cash.
Set yourself up to buy 3 investment properties in 5 years.
Masterclass Stage 2

Stage 3: Mortgage Optimisation

For those with a portfolio.
Transform your portfolio into a profit machine.
Masterclass Stage 3
0 +

Kiwis have trusted mortgagehq to review their mortgages.

$ 0

Average yearly savings for our clients.​

0 +

Five-star ratings on Facebook & Google.

Client Reviews

Ronan Shun 5 Star Google Review
January 2021

It was great dealing with Frankie and Zhiyang. They were proactive, honest, informative and straightforward. Highly recommend this team.

Marie Su’a 5 Star Google Review
May 2021

Replied to an email and in no time at all, my mortgage was refixed and potential savings not to mention years OFF my mortgage repayment schedule were finalised and organised. Alejandro was easy to communicate with and very efficient. I am usually a bit hesitant about this sort of thing, but if I hadn't responded I would not be reaping the benefits. Thank you mortgagehq for the awesome service.

Ligi & Matt Toua 5 Star Google Review
January 2021

What we appreciated was the honesty and the options they provided to make things easier for us. But the biggest highlight for us is knowing that we have a better understanding of how to structure our mortgage, how to save better and how we can possibly pay our mortgage off faster, if we stick to the plan. This is something that our last 2 mortgage brokers did not do for us!

Manda Prasad 5 Star Google Review
April 2021

I just want to take a moment to thank Jeremy and his team for all their help during my first home hunt process. Jeremy’s wealth of knowledge on the finance stuff is stunning. I always enjoyed and learned from our discussions. He has shown lots of patience under many circumstances. Though I was bugging him with multiple emails for different properties, he was responded to every single email on time, never missed one. I look forward to working with him in the future.

Michelle T 5 Star Google Review
March 2021

I have had the easiest time renewing our mortgage. I am very impressed with Zhiyang & Frankie, they made the process so simple and were there to answer any questions and provided confident advice. They found us a great rate, a far better deal than I ever would've. They put our money to much better use. Thank you so much guys you were amazing, far less stress with a great outcome.

Jonathan Chen 5 Star Google Review
April 2021

Zhiyang and Yang were excellent in sorting out our new mortgage. Zhiyang in particular was on the ball and super proactive, always flexible with my work commitments getting in the way of appointments too. Very happy with their service, and looking forward to taking an even more proactive approach to our finances. Would recommend them to you, as I have to our friends who are in the market.

Scott Earley 5 Star Google Review
November 2020

Jack was professional, responsive and very easy to work with to find the right mortgage and payments options for us. The work Jack did for us was excellent in short. Our bank transition was seamless. If you're wanting to get ahead with your mortgage repayments, change banks or restructure your mortgage to do some renovations as we did, then speak to these guys, they know what they're doing!

Shay O’Neill 5 Star Google Review
November 2020

We used mortgagehq to help us get a mortgage for our first house. Our broker was excellent and talked us through the entire process and explained the best options for us. He was always available to talk even outside of normal work hours. Buying a house for the first time can be quite stressful so having someone there to help us through the process really made things so much easier. I would definitely recommend using mortgagehq.

Emma Chen 5 Star Google Review
February 2021

This is our second time using mortgagehq, Blandon and the team were very helpful in providing options and explaining the different loan structures.

Guy Alexander 5 Star Google Review
December 2020

Worked with David for about 12 months on various properties until we found our dream home. The team were fast & responsive, worked constructively with the bank to get a great deal and work through some application complexities and overall a very human approach. No silly questions on our part - we were guided every step of the way. Highly recommended and just made the process much easier.

    Read 200 More Reviews

    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. 

    CLIENT STORY:
    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...

    She was very disciplined and making extra payments into her mortgage - but frustrated with the slow progress. It’s a common mistake to think that paying your mortgage down is the fastest way to get mortgage free. The first thing Hang decided was she needed a lower interest rate and to get some cash back. This was her thinking when she met us in 2016. We started arranging these options for her, but our advice process goes a step beyond that. Although her mortgage hadn’t reduced much over 3 years, her home’s value had increased every year. So we asked, “looking at your home's increase in value, what would owning another property mean for you? A property where the rent covered all the costs but still had extra profit to pay down your home’s mortgage for you.”

    Hang had an immediate lightbulb moment...

    She was thinking that she could hold that second property for a few years, then sell it to pay off a large chunk of her mortgage. The fastest way to get mortgage free is to rejig your life so you can make dramatically bigger payments.

    The next question we asked her, “What if you could own 3 more? Instead of just an extra 1?” It’s a scary thought! Because in most people’s mind, there are 2 major hurdles: One, This is a lot of debt! Isn’t that dangerous…? Secondly, how on earth would I be able to borrow that much? We built a plan with her, including buying guidelines for the next property she had to look for. As Hang's wage income was modest, cash flow was the first objective.

    So Hang embarked on her journey to get mortgage free fast by using property investment as a vehicle instead of her wages. What happened?

    • 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+ 

    What I am most impressed about with Hang’s achievement is that she achieved $1.2million dollars of equity whilst only earning a 5 figure salary! And in just 5 years – how long would it take you to save a million dollars on your salary? In saying that, the truth must be told – it was not easy at all! It took a lot of determination, dedication and a fine mortgage adviser 😛 – Blandon Leung

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

    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.

    If you would like to learn more about how you could buy your next 3 properties using the equity in your own home – check out our stage 2 masterclass or get serious and join the 3 property accelerator course.

    Experience the difference real talk and real advice can make in your life! Book a call today.

    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.

    Book A Call Advice Process

    Meet some of your team

    Andrew Malcolm

    Owner & Managing Director

    Meet Andrew

    Blandon Leung

    Owner & Senior Adviser

    Meet Blandon

    Kai Karbhari

    GM of Operations & People

    Meet Kai

    David Chamberlain

    Senior Mortgage Adviser

    Meet David

    Jeremy Grey

    Head of Servicing

    Meet Jeremy

    Fraser Hardy

    Head of Settlement

    Meet Fraser

    Popular Articles and Pages

    NZ Mortgage Rates

    NZ Mortgage Rates Guide to Mortgage Rates Mortgage rates in NZ get a lot of press because interest rates hugely impact the cost of borrowing

    Read More

    Online Education

    Mortgage Advice

    Get in touch

    Mortgage Snapshot

    Calculate borrowing power, potential savings, and more.

    Talk with us

    Book a 10-minute introductory chat to clarify your situation and goals then get matched with an adviser specialized in your situation.

    Protect your health and assets

    • © All rights reserved
    • Financial Services Provider | FSP463846