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Use the Mortgage Snapshot calculator, like 30,000+ Kiwis have, to discover your borrowing power, available equity, restructure, and refinance options. 

We work with banks in NZ and have options with non-bank lenders. If you are looking to buy your first property, restructure or add to your portfolio, or just assess your current position for improvements, the mortgage snapshot takes 90 seconds, displays instant results and will be a great indicator to start with.

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A huge variety of banks and non-bank lenders choose to and love working with us, these relationships ensure you get matched with the ideal mortgage and loan products for your property goals.

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What Our Clients Are Saying

  • Dylan has helped immensely and is always willing to talk things over, explaining different options to find the best fit, no hesitation whatsoever in recommending iRefi

    Darin McMurchy Avatar
    Darin McMurchy
    27/11/19

    Jeremy and the team at iRefi makes everything quick and easy. Our mortgage renewal/rollover is just one email away. They quickly respond to our queries/email for assistance. Everything's a breeze. We highly recommend them for anything you need with your mortgages.

    Divine Grace Banzon Avatar
    Divine Grace Banzon
    11/11/19

    I've tried to be my own mortgage broker in the past and have always found that IRefi have gotten me a lower interest rate than what I could negotiate on my own. Have used them for 2 years running now when refixing rates. Solid advice... read more

    JWD D Avatar
    JWD D
    11/11/19
  • We had a wonderful experience with iRefi Mortgages. They were able to help us where banks and other refinancing places couldn't. Highly recommended.

    Jacobs vlogzz Avatar
    Jacobs vlogzz
    11/10/19

    Nitin from iRefi helped my husband and I to get our family home. We are so impressed with how hard he worked in finding us the best rate and just making sure things were working smoothly with clear communications throughout this journey. I ... read more

    Bindhu Louis Avatar
    Bindhu Louis
    11/10/19

    Jack was quick to action things and provided the required information to make it easy to re-fixing our mortgage again. He made it easy for me and kept me informed via text message along the way!

    Biren Patel Avatar
    Biren Patel
    11/10/19
  • Nitin has been an absolute star - made our very first mortgage process very easy. He made sure we understood the entire process and got us a great deal in our mortgage. I would be more than happy to work with and recommend Nitin and... read more

    Akshay Sud Avatar
    Akshay Sud
    11/10/19

    I have had the most positive experience with IRefi, in particular with Jack Dray. He is always very efficient, super helpful and nothing is too much bother.I can't recommend him enoughThank you for everything you have done for us.

    Jennifer France Avatar
    Jennifer France
    11/09/19

    I've been with iRefi for a couple of years now and I've always got a great service. I like not to worry to go and shop around for the best mortgage rate. They do it all for me. Then they present me the alternative, we... read more

    Enny Benzonelli Avatar
    Enny Benzonelli
    11/09/19
  • Dealt with Jack. Super response to emails. Secured some great rates for us. Happy to keep using iRefi...cheers fellas!!

    jenksand Avatar
    jenksand
    11/09/19

    I have to admit to being fairly skeptical of mortgage brokers before using your service, but after going through the process I'm very sure we couldnt have received a better deal without David’s advice and expertise along the way, the lightning fast responses... read more

    Andrew Johnson Avatar
    Andrew Johnson
    11/09/19

    Prompt efficient communication. It was great working with Zhiyang, Blandon & Ray in finding a way to restructure our Mortgage. Will defiantly recommend.

    Chenny Chen Avatar
    Chenny Chen
    11/09/19
  • IRefi are the people to deal with if you know nothing about finance (like me) but have a feeling you should have your money working harder for you! Dylan was fantastic (and very, very patient) answering all of my questions until I understood how... read more

    Lisa Christie Avatar
    Lisa Christie
    11/08/19

    Jeremy Grey from iRefi has been absolutely outstanding, providing a fantastic service during a protracted and complicated mortgage solution. His calm, confident approach was invaluable and was easily contactable throughout the whole process. I highly recommend iRefi and would definitely engage them again should... read more

    Julia Fagan Avatar
    Julia Fagan
    11/08/19

    They made re-fixing our mortgage easy. We now have a goal in place to work towards and we can’t wait until the team at iRefi help us with the next step.

    stephanie havea Avatar
    stephanie havea
    11/07/19
  • I worked with Jeremy from Irefl twice and I would recommend to all my friends to use Irefl.They are amazing and skilled and goes extra miles in supporting you in all phases of your loan refinance with thoroughly explaining and restructuring loan to suit your... read more

    Reddy4u1000 Avatar
    Reddy4u1000
    11/07/19

    We have had a great experience with the team at iRefi. They are very helpful and knowledgeable, thanks to them we have managed to secure better mortgage rates then dealing with the bank directly!

    Dana Ruediger Avatar
    Dana Ruediger
    11/07/19

    iRefi provided an excellent service. They were very friendly and professional. They listened to what we wanted and did everything they could to help achieve it. I would highly recommend them to anyone.

    Russell Page-Wood Avatar
    Russell Page-Wood
    11/07/19
  • Very helpful, professional and onto it. I don't have to stress about it... they will take care of it. Thank you iRefi

    Revolution Chiropractic Avatar
    Revolution Chiropractic
    11/07/19

    We engaged with iRefi's service in April this year. iRefi is very knowledgeable with different banks' position and knowing how to find the best deal for us. iRefi made sure we got the best terms and conditions not just cashback and interest rates. Would recommend... read more

    Yu-An Chen Avatar
    Yu-An Chen
    11/06/19

    I highly recommend David and the team at iRefi! David sorted some unbelievably great rates for our home loan with Kiwibank, nothing was a problem. Brilliant service from start to finish.

    Mandy Caldwell Avatar
    Mandy Caldwell
    11/06/19
  • After failing to find a sensible and helpful mortgage broker in my city, I decided to take on the task of break/refix my mortgage on my own and started doing some reading and research online. It's then that I came across one of the iRefi's... read more

    Rajat Mann Avatar
    Rajat Mann
    11/06/19

    David Chamberlain and the team were all extremely helpful, answering all of my questions patiently and simply made the process so easy - I'm not sure how I could have got a mortgage without them!

    Milly Jennings Avatar
    Milly Jennings
    24/09/19

    Nitin has been an absolute star - made our very first mortgage process very easy. He made sure we understood the entire process and got us a great deal in our mortgage. I would be more than happy to work with and recommend Nitin and... read more

    Akshay Sud Avatar
    Akshay Sud
    23/09/19
  • Madhav and the team at IRefi are extremely dedicated, hardworking and professional. They are a team who actually cares about families and families who financially struggle. Madhav has worked so hard with our finances to ensure us the best mortgage deal. He has saved us... read more

    Gayle Bennett Avatar
    Gayle Bennett
    10/09/19

    Can't thank the Irefi team enough for the re-finance they secured for me. Irefi provided a professional service with great communication right throughout the process. I look forward to working with the team again in the future.

    Daniel Versteeg Avatar
    Daniel Versteeg
    01/09/19

    Nitin was great and really helpful. We were first home buyers so it was good to get IRefi on our side. Merci 🙂

    Laure Chisaka Avatar
    Laure Chisaka
    05/08/19
  • Blandon & the team made the journey to owning our first home an enjoyable one. When everyone else was saying no these guys made it happen! The service was exceptional and the rates better than everyone else by far! I would recommend iRefi to anyone!... read more

    Ben Cook Avatar
    Ben Cook
    31/07/19

    Amazing service! Madhav quickly turned around my sceptical thoughts regarding mortgage brokers and how it all works.
    He patiently took the time to answer all my questions and really helped my wife and I get a good deal.
    We will use him again and highly recommend...
    read more

    Jared Cooney Avatar
    Jared Cooney
    26/07/19

    Thank you again to the team at IRefi - in particular Dylan Brooks for taking time to understand my situation with purchasing a new property and coming up with the result I was looking for. Nothing was ever an issue with him and he made... read more

    Steph Greenwood Avatar
    Steph Greenwood
    21/07/19
  • Great service from team at iRefi! Jeremy Grey has helped us to negotiate better mortgage rates and come up with the best scenarios for our lending situations. He has been very helpful and knowledgeable.

    Dana Ruediger Avatar
    Dana Ruediger
    03/07/19

    Pooja made the Refix process super easy and totally painless - just a few minutes over the phone and a brief email, and the next week came back with a great rate from the bank. Beats playing phone tag with the bank any day. Thank you!

    Esther Goh Avatar
    Esther Goh
    02/07/19

    I can't recommend David Chamberlain and iRefi highly enough, 5 stars really don't do them justice.
    David worked so hard on securing the best possible mortgage finance. He made the entire process effortless, and maintained a high level of professionalism and customer care throughout.
    Nothing...
    read more

    Ax Ax Avatar
    Ax Ax
    11/06/19
  • I highly recommend David Chamberlain and the team at iRefi! David sorted some unbelievably great rates for our home loan with Kiwibank, nothing was a problem. Brilliant service from start to finish too ?

    Mandy Caldwell Avatar
    Mandy Caldwell
    05/06/19

    Highly recommend IRefi and their team, very professional and offer great advise getting the best deal for you. Awesome Communication and I would recommend them to anyone...Great work IRefi team and thank you for looking after us...Blessings from the Veukiso Family..

    Pete Veukiso Avatar
    Pete Veukiso
    30/05/19

    Worked with David Chamberlain from Oct-2018 that we had our first phone call. I bought my first house in April and got the premium interest rate on the bigger part of my loan, a discounted rate on the revolving facility and cash back. This has... read more

    Sebastián Cabeza Avatar
    Sebastián Cabeza
    19/05/19
  • Contacted iRefi and within moments they had fixed my mortgage at a rate 0.9% lower than I could get myself, highly recommend them and their approach ??

    Cambel Ferguson Avatar
    Cambel Ferguson
    15/05/19

    Great help from Madhav and team! They were able to get us market leading rates and conveniently get us refinanced. Highly recommended!

    Hemant Vallabh Avatar
    Hemant Vallabh
    15/05/19

    Highly Recommend IRefi! Throughout they provided us excellent and fast customer service and communications. They simply made the process easy and they were so helpful in giving us guidance to tailor the mortgage our needs.David Chamberlain from IRefi is an awesome kind and very friendly... read more

    Isuru Shaminda Withanage Avatar
    Isuru Shaminda Withanage
    06/05/19
  • They are fast to respond to your query no matter how big or small. They also proactively remind me that my loan terms are due. They answered all questions professionally with patience in a timely manner. Highly Recommended

    James Chen Avatar
    James Chen
    29/04/19

    Highly recommended - fantastic communication from start to finish on an apartment purchase that turned out to be hairier that it first looked. The team is highly knowledgeable and I’m sure I wouldn’t have received the offer I did without their hard work. Cheers to... read more

    Michael Delbridge Avatar
    Michael Delbridge
    25/04/19

    I highly recommend Irefi, great service, very professional experienced team with great turnaround timelines. I received an excellent outcome, working with Madhav and when he was on annual leave David.
    I received years off my mortgage and a great cash incentive to celebrate with.
    My past...
    read more

    Rob Hetaraka Avatar
    Rob Hetaraka
    09/04/19
  • A big big thank you to Madhav from IRefi for the amazing work he did for us in helping us secure our second property. Right from the start Madhav worked with us to build a clear picture of our financial position and how we could... read more

    Sarajane Crookes Avatar
    Sarajane Crookes
    05/04/19

    Highly recommend IRefi!! We worked with Dan and he was awesome from start to finish and we were given an awesome deal ⭐️⭐️⭐️⭐️⭐️

    Siân Morgan Avatar
    Siân Morgan
    28/03/19

    I would highly recommend Irefi and Madhav for any home buyers out there. Even though we were on a fixed rate, Madhav managed to renegotiate our rate with the bank and enabled us to save a substantial amount on our payments. Madhav was extremely efficient... read more

    Sumed Ingrole Avatar
    Sumed Ingrole
    28/03/19
  • Highly recommended Madhav Bhandari he made everything easy. All i knew was my mortgage was coming to an end with my previous bank and needed to find another one with cheaper rates. Madhav did everything I told him what I wanted and that was it.... read more

    Rebecca Le Noel-Kirk Avatar
    Rebecca Le Noel-Kirk
    19/03/19

    Amazing customer service. Zhiyang was very easy to talk to and made the process very easy and smooth. I would highly recommend IRefi to everyone. Thank you so much for helping us out.

    Sezzy Tawheta Avatar
    Sezzy Tawheta
    14/03/19

    Very efficient & clear.
    Even wen i was already on a fixed rate, they were able to negotiate a cheaper rate with my bank, even with a fee to be paid but it still worked out that i would save more on this cheaper rate.

    Ma'a Saipele Avatar
    Ma'a Saipele
    07/03/19
  • I highly recommend iRefi, not only did they help us get some great rates and cash back they helped us figure out the best way to approach things. They have provided me with so much advice and upskilled my knowledge that now I think differently... read more

    Kirsty Anthony Avatar
    Kirsty Anthony
    04/02/19

    IRefi has been awesome to deal with. Madhav was really easy to talk to and was very responsive to all our many many questions. He made the process really easy to understand. Thank you very much.

    Seletar Lavini Avatar
    Seletar Lavini
    18/01/19

    David was great to deal with helped my wife and I restructure our mortgage and secured great rates quickly for us. Highly recommend and will be using iRefi moving forward. Cheers again David

    David Wilkinson Avatar
    David Wilkinson
    18/01/19
  • My husband and I were very impressed with David at iRefi. Not only was he a pleasure to communicate with, he was professional, efficient, knowledgeable and made setting up a mortgage super easy. I do not hesitate in recommending this awesome company for all your... read more

    Carla Maria Elford Avatar
    Carla Maria Elford
    16/01/19

    Madhav was so helpful with negotiating better rates for us with our bank. He was able to get us a better rate than the bank we’re willing to offer us directly. He even got us cash back and fees waived. I have used his services... read more

    Meredith Gudgeon Avatar
    Meredith Gudgeon
    11/01/19

    Madhav was great to work with. I had a lot of questions, which he happily explained and broke down to a mortgage newb, like me. He gave us a couple of options for structuring and explained the benefits of each option. Madhav was warm and... read more

    Sama Dean Avatar
    Sama Dean
    10/01/19
  • I came across IRefi website I think on FB early 2017. Got in touch with them and spoke with David Chamberlain. He is a breadth of fresh air, enthusiastic, always ready to help, take calls at anytime, prompt email responses. I have dealt with David... read more

    Behula Manan Avatar
    Behula Manan
    09/01/19

    Had a great experience working with iRefi sorting out a new mortgage structure. My wife and I are both self employed which often makes life difficult with the banks but David went above and beyond to get us sorted. Would recommend IRefi - Online Mortgage... read more

    Brett Tomes Avatar
    Brett Tomes
    07/01/19

    Really great to work with. Madhav helped out so much and was so easy and efficient to work with. Totally recommend getting in touch with iRefi to sort your Mortgages out!

    Melissa Armstrong Avatar
    Melissa Armstrong
    29/12/18
  • Initially, I was sceptical about dealing with a mortgage broker, but after my initial conversation with David Chamberlain I knew I was in good hands. David was extremely professional and was always happy to take my myriad of phone calls and questions. He consistently offered... read more

    Ryan Nikolas Avatar
    Ryan Nikolas
    13/12/18

    Dealt with Blandon and Yang and they were awesome, great communication and sorted everything in the background. They assessed my situation and suggested the best combo for me. Thanks for the hassle-free service.

    Michael Chan Avatar
    Michael Chan
    11/12/18

    Blandon has been my mortgage broker for 2 years now, but this time Dylan arranged the roll over of my mortgage and a top up.
    So it took a little time, but we got a very good rate from the bank and it was...
    read more

    Lorraine Lee Avatar
    Lorraine Lee
    11/12/18
  • Dylan has helped immensely and is always willing to talk things over, explaining different options to find the best fit, no hesitation whatsoever in recommending iRefi

    Darin McMurchy Avatar
    Darin McMurchy
    27/11/19
  • Jeremy and the team at iRefi makes everything quick and easy. Our mortgage renewal/rollover is just one email away. They quickly respond to our queries/email for assistance. Everything's a breeze. We highly recommend them for anything you need with your mortgages.

    Divine Grace Banzon Avatar
    Divine Grace Banzon
    11/11/19
  • I've tried to be my own mortgage broker in the past and have always found that IRefi have gotten me a lower interest rate than what I could negotiate on my own. Have used them for 2 years running now when refixing rates. Solid advice... read more

    JWD D Avatar
    JWD D
    11/11/19
  • We had a wonderful experience with iRefi Mortgages. They were able to help us where banks and other refinancing places couldn't. Highly recommended.

    Jacobs vlogzz Avatar
    Jacobs vlogzz
    11/10/19
  • Nitin from iRefi helped my husband and I to get our family home. We are so impressed with how hard he worked in finding us the best rate and just making sure things were working smoothly with clear communications throughout this journey. I ... read more

    Bindhu Louis Avatar
    Bindhu Louis
    11/10/19
  • Jack was quick to action things and provided the required information to make it easy to re-fixing our mortgage again. He made it easy for me and kept me informed via text message along the way!

    Biren Patel Avatar
    Biren Patel
    11/10/19
  • Nitin has been an absolute star - made our very first mortgage process very easy. He made sure we understood the entire process and got us a great deal in our mortgage. I would be more than happy to work with and recommend Nitin and... read more

    Akshay Sud Avatar
    Akshay Sud
    11/10/19
  • I have had the most positive experience with IRefi, in particular with Jack Dray. He is always very efficient, super helpful and nothing is too much bother.I can't recommend him enoughThank you for everything you have done for us.

    Jennifer France Avatar
    Jennifer France
    11/09/19
  • I've been with iRefi for a couple of years now and I've always got a great service. I like not to worry to go and shop around for the best mortgage rate. They do it all for me. Then they present me the alternative, we... read more

    Enny Benzonelli Avatar
    Enny Benzonelli
    11/09/19
  • Dealt with Jack. Super response to emails. Secured some great rates for us. Happy to keep using iRefi...cheers fellas!!

    jenksand Avatar
    jenksand
    11/09/19
  • I have to admit to being fairly skeptical of mortgage brokers before using your service, but after going through the process I'm very sure we couldnt have received a better deal without David’s advice and expertise along the way, the lightning fast responses... read more

    Andrew Johnson Avatar
    Andrew Johnson
    11/09/19
  • Prompt efficient communication. It was great working with Zhiyang, Blandon & Ray in finding a way to restructure our Mortgage. Will defiantly recommend.

    Chenny Chen Avatar
    Chenny Chen
    11/09/19
  • IRefi are the people to deal with if you know nothing about finance (like me) but have a feeling you should have your money working harder for you! Dylan was fantastic (and very, very patient) answering all of my questions until I understood how... read more

    Lisa Christie Avatar
    Lisa Christie
    11/08/19
  • Jeremy Grey from iRefi has been absolutely outstanding, providing a fantastic service during a protracted and complicated mortgage solution. His calm, confident approach was invaluable and was easily contactable throughout the whole process. I highly recommend iRefi and would definitely engage them again should... read more

    Julia Fagan Avatar
    Julia Fagan
    11/08/19
  • They made re-fixing our mortgage easy. We now have a goal in place to work towards and we can’t wait until the team at iRefi help us with the next step.

    stephanie havea Avatar
    stephanie havea
    11/07/19
  • I worked with Jeremy from Irefl twice and I would recommend to all my friends to use Irefl.They are amazing and skilled and goes extra miles in supporting you in all phases of your loan refinance with thoroughly explaining and restructuring loan to suit your... read more

    Reddy4u1000 Avatar
    Reddy4u1000
    11/07/19
  • We have had a great experience with the team at iRefi. They are very helpful and knowledgeable, thanks to them we have managed to secure better mortgage rates then dealing with the bank directly!

    Dana Ruediger Avatar
    Dana Ruediger
    11/07/19
  • iRefi provided an excellent service. They were very friendly and professional. They listened to what we wanted and did everything they could to help achieve it. I would highly recommend them to anyone.

    Russell Page-Wood Avatar
    Russell Page-Wood
    11/07/19
  • Very helpful, professional and onto it. I don't have to stress about it... they will take care of it. Thank you iRefi

    Revolution Chiropractic Avatar
    Revolution Chiropractic
    11/07/19
  • We engaged with iRefi's service in April this year. iRefi is very knowledgeable with different banks' position and knowing how to find the best deal for us. iRefi made sure we got the best terms and conditions not just cashback and interest rates. Would recommend... read more

    Yu-An Chen Avatar
    Yu-An Chen
    11/06/19

Any fool can know. 

The point is to understand.

Albert Einstein

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Why choose mortgagehq? the people. 

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Bachelor of Business: Finance & Management
2018 & 2019 top 5 Adviser in New Zealand as judged by NZ Adviser.

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