Thank you for enrolling in the 21 Days Property Investment Course.
You should get a confirmation email in the next few minutes, if you don’t please send a message through to education@mhq.co.nz and we can help you.
After graduating from the 21 days course the next step in your mortgage and property investment education pathway will be attending a masterclass. Choose The Right Masterclass for you.
Your journey to financial freedom will typically follow a path consisting of 3 Mortgage Lifecycle stages.
- Stage 1: Reduction. How To Pay Off Your Mortgage In 7 Years Without Increasing Your Repayment. Main goal: getting your home mortgage-free quickly, or building usable equity to recycle into an investment.
- Stage 2: Expansion. Build Your First $80,000 Net Passive Income Through Property Investing Within 10 Yrs. Main goal: refine your strategy for recycling equity, repeat, repeat, repeat… (If this is you, choose the investor classes).
- Stage 3: Optimisation. How To Infinitely Grow Your Property Portfolio Even If Your Banker Already Said “No”. Main goal: increase passive income, minimise time requirements, orchestrate big wins. (If this is you, choose the investor classes).
Client Feedback
Thank you to all of our clients. It gives us great pleasure to receive your feedback and hear the stories about how our help has impacted your lives.
Note: we used to be named iRefi.co.nz so older reviews refer to us that way.
- 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... read moreWe 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. read less
Shay O'Neill11/14/2020Getting our first home this year came in an absolute surprise for us. We are so blessed to have worked with MortgageHQ; a very efficient and friendly team. Special thanks to Zhiyang who really made things worked for us and helped us through what was... read moreGetting our first home this year came in an absolute surprise for us. We are so blessed to have worked with MortgageHQ; a very efficient and friendly team. Special thanks to Zhiyang who really made things worked for us and helped us through what was quite a bit stressful time. You are a legend! Very professional, respectful at all times and kept in regular contact with us for any updates. Zhiyang guided us every step of the way and was very informative. We’ve also worked with Fraser who was so helpful in assisting us, he was very prompt with updates and answering our queries. Our overall experience was excellent. We are just immensely grateful for all your help, guys. Would highly recommend your team! read less Rae Custodio11/14/2020Jack helped me get finance for my first investment property - he was resourceful and responsive. Will definitely continue to work with the mortgagehq team! Ray Wang3/13/2021 - Words cannot express our gratitude to Andy, Yan and Kat for the excellent service they provide us enabling us to buy our first home within 6 months of engaging with them. We found mortgagehq on the internet after unsuccessfully working with other mortgage brokers. We... read moreWords cannot express our gratitude to Andy, Yan and Kat for the excellent service they provide us enabling us to buy our first home within 6 months of engaging with them. We found mortgagehq on the internet after unsuccessfully working with other mortgage brokers. We were very nervous during the first few sessions with Andy and also daunting because he told us straight out what we needed to do to best position us for our dream. The visualization and guidance was thorough and impressive. Then Yan and Kat took us through the banking process, pre-approval etc etc. What an amazing team, always responsive, accessible and patient! God's bless mortgagehq and we wish you all the very best with your good work from this very grateful Tongan family!! Looking forward to a long and successful relationship. Couldn't have done this without you guys!! read less Lepaola Vaea11/18/2022The initial intention was only to get a second advice on how we can expand our property investment goals. It turned out that Jack even took the time to review our existing mortgages structure and provided us with a personalised financial advice to restructure our... read moreThe initial intention was only to get a second advice on how we can expand our property investment goals. It turned out that Jack even took the time to review our existing mortgages structure and provided us with a personalised financial advice to restructure our mortgages. We ended up choosing Jack as our new mortgage brooker. Jack has a great knowledge about property investment, always transparent and being open of the pros and cons of each option. We are currently working with Jack on getting the next investment property. Thank you MortgageHQ! read less Ronald Wibowo4/21/2022I love to work with mortgagehq, I have been helped by them from 2019 and I really like the way we communicate, I feel like they really understand our situation and makes things happened. I definitely recommend them, they are awesome. Five start guys. Silvana Serei10/19/2022
- I'd like to thank you for organizing and renegotiating my mortgage and consolidated loan. I was quite happy with the results and am grateful for the work and effort you have put into helping me.
I particularly appreciate your patience in explaining and simplifying banking concepts... read moreI'd like to thank you for organizing and renegotiating my mortgage and consolidated loan. I was quite happy with the results and am grateful for the work and effort you have put into helping me.
I particularly appreciate your patience in explaining and simplifying banking concepts and jargon to me so that I made better informed decisions. The communication was also very good. Great job! Happy to recommend your services to friends and family. read less
Lilia Sevillano10/16/2016I am very happy for the service I received from MortgageHQ, from Jack's team. I have been provided heaps of information to read and with that I was able to prepare myself during discussions/planning and helped me decide with their guidance the best approach to... read moreI am very happy for the service I received from MortgageHQ, from Jack's team. I have been provided heaps of information to read and with that I was able to prepare myself during discussions/planning and helped me decide with their guidance the best approach to managing my mortgage at this stage. Although the national lockdown have delayed the process in settling my refinancing application, the team have been in touch with me the whole time giving assurance that they are still working with the bank. I am grateful for their help and would definitely recommend MortgageHQ to my family and friends. read less Dodge Rochelle Lecciones10/04/2021Learned a lot through property formula course, great help from Blandon, Zhiyang and Alejandro for my application, great people to deal with. Steven Sun8/17/2022 - Matt and Blandon were super helpful, knowledgeable and professional while working to secure us a mortgage. The expertise and advise was top quality and we are very happy with the end result. Shaun Wallace4/19/2022Had a fantastic experience with mortgagehq! Jack was always super helpful and fast! Made the whole process really easy and delivered a fantastic result. Highly recommend! Matt Sandford5/25/2021We have used Mortgage HQ a few times now and the service has always been outstanding.Thanks to Daniel with helping us get a great rate on our mortgage .Why would we go anywhere else ! Dominic Delaney1/14/2021
- 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... read moreZhiyang 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. read less Jonathan Chen3/13/2021Jack and Ray were top notch. Helped us get a better mortgage setup and future plan. Couldn’t recommend enough Sean Warnock10/06/2021I recently used MortgageHQ to refinance a property and particularly wanted to give a big shout-out to Simon McDonald for all the help and support he provided in helping me navigate the many forms and bank documents that are now required due to the CCCFA... read moreI recently used MortgageHQ to refinance a property and particularly wanted to give a big shout-out to Simon McDonald for all the help and support he provided in helping me navigate the many forms and bank documents that are now required due to the CCCFA rules. While the advisors often get the credit and accolades for fronting the business, it is the support staff that make the difference between a good and a great customer experience. For his excellent customer service and attention to detail, Simon deserves a big shout out. read less Phil Gardiner10/12/2022
- Matt and his team are great at helping you with your requirements. They helped me and my wife get into our first house after complicated new build setup. james b7/03/2022The team at iRefi have put in the hard yards for us and come through with more than we could ask for. The flexibility, professionalism and care the team have shown is truly amazing, when we thought no one could help us, iRefi have bought... read moreThe team at iRefi have put in the hard yards for us and come through with more than we could ask for. The flexibility, professionalism and care the team have shown is truly amazing, when we thought no one could help us, iRefi have bought us a huge sense of relief! Thank you all from the bottom of our hearts, you have genuinely change our lives. One small step towards a bright future and we couldnt have done it without you. We look forward to working with you and building a portfolio in the near future.! Kyra & Chris read less Kyra Lee Harrison6/27/2018IRefi delivered past our expectations with the deal they presented us. We are incredibly happy with our new bank and the smooth process to switch. Looking forward to dealing with Blandon and co again in the future!! Trina Kitchen8/17/2018
- We recently refinanced our house through iRefi and dealt with Dan in the process. Everything was fairly straightforward and Dan was very easy to deal with, answering any questions we had and making sure things ran smoothly. It was great having someone find us the... read moreWe recently refinanced our house through iRefi and dealt with Dan in the process. Everything was fairly straightforward and Dan was very easy to deal with, answering any questions we had and making sure things ran smoothly. It was great having someone find us the best deal for our mortgage and I wouldn't hesitate to recommend Dan and the iRefi team to anyone looking to refinance their property! read less Nikki Taylor9/11/2017First time using a broker and really pleased we did. Zhi was easy and knowledgeable to deal with and helped us find a lender that could work with our requirements when we were under pressure with an auction date looming. Thanks Kathryn Foley4/13/2021Only use MortgageHQ for the best results! They negotiate the best interest rates and you really feel you have an awesome team behind you every step of the way! Donovan Hay5/11/2021
- MortgageHQ is more than your typical mortgage broker. They have helped me to review my portfolio, find out my needs and recommend ways and strategies to fully optimise lending and investments. Would definitely recommend them to anyone who is open to maximising their portfolio. Darren Tan9/30/2021Great service from Zhiyang and Alex. Thanks for going over the details with us and help us getting the loan. Tao Jiang9/19/2022Excellent company to deal with and really helped me in getting a property. Daniel Lipman was very professional and offered great advice. Highly recommend. Shane Mackereth1/16/2022
- David made the whole refi process easy and provided great assistance to our complex situation. David was friendly and my partner and I greatly appreciated the high level of communication throughout from both him and Shanel. I will be recommending David and team and will... read moreDavid made the whole refi process easy and provided great assistance to our complex situation. David was friendly and my partner and I greatly appreciated the high level of communication throughout from both him and Shanel. I will be recommending David and team and will definitely use mortgage hq again in the future. read less Meg HURRELL2/13/2021Thanks Dan for getting us an even better rate than the bank offered us, helping us explore our options for fixing periods and the best way to go forwards to be mortgage free quicker. Great communication, great service I would highly recommend giving Dan... read moreThanks Dan for getting us an even better rate than the bank offered us, helping us explore our options for fixing periods and the best way to go forwards to be mortgage free quicker. Great communication, great service I would highly recommend giving Dan a call if your home loan is up for renewal. read less Karen Mawson3/28/2018They 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 havea7/11/2019 - This is for Jack and Frankie, you guys are legends.I cant thank you guys enough, both are extremely good at their job, very professional, awesomely responsive.They got my approval for my home loan faster than I could believe.Before them I was dealing straight with the... read moreThis is for Jack and Frankie, you guys are legends.I cant thank you guys enough, both are extremely good at their job, very professional, awesomely responsive.They got my approval for my home loan faster than I could believe.Before them I was dealing straight with the bank, it wasn't a happy process so I looked for alternatives. I was referred to MHQ by my friend who also got approval from MHQ.So I contacted these guys and they've done wonders. I recommend MHQ 100% and I recommend Jack and Frankie 1000%. I think they deserve pay rise and promotion. God bless you guys. read less Mukesh Gholiya4/22/2021Incredible experience with iRefi on both my mortgage and insurances. Both teams had excellent communication and quite simply did not give up until the job was over the line to the best possible outcome. Highly reccomended.
Much Appreciated Blandon and Pooja Rob Donnelly11/06/2018Worked 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... read moreWorked 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. Thanks! read less Guy Alexander10/14/2020 - I chanced upon iRefi's website while browsing for a mortgage broker in early 2017 to help sort out the finance for my new build. I entered my details on the website and Andrew called me in under 10 mins! As I was only due for... read moreI chanced upon iRefi's website while browsing for a mortgage broker in early 2017 to help sort out the finance for my new build. I entered my details on the website and Andrew called me in under 10 mins! As I was only due for settlement in Dec 2017. He told me that he will contact me again in Nov.
I wasn't expecting him to call me back but he did and he did and he did (as scheduled).....every time the settlement was delayed.
We worked with David Chamberlain closer to settlement. He was extremely attentive to our goals and requirements and helped tailor our loan to best suit our finances. We couldn't be happier with the interest rates/cashback that he managed to secure and the personalized service that he offered.
Cannot recommend iRefi enough. The level of service way surpassed our expectations. Look forward to working with you guys again!! read less Edwin Ng5/01/2018Zhiyang, Cairo and Marcia provided us with great service through the mortgage approval process - quick, easy to understand, and very responsive. We would definitely recommend mortgagehq for anyone out there - you won't be disappointed. We look forward to continue working with them. Rosemary Kwon11/18/2022Huge thank you to Dan and Paul for your great service, you both made it so easy for us. It's quite rare that you get someone to go out of their way to make sure you understand everything, I would happily recommend you to... read moreHuge thank you to Dan and Paul for your great service, you both made it so easy for us. It's quite rare that you get someone to go out of their way to make sure you understand everything, I would happily recommend you to anyone I know that is thinking of a new or refinancing a mortgage. Thanks again and Merry Christmas read less Kim Hassan12/20/2016 - Great crew and incredibly easy to deal with. Made it simple and shaved a few points off the mortgage without needing to move bank which was ideal! Thanks Jeremy Grey! Jack McQuire8/06/2018The team at mortgagehq was easy to deal with and responsive to emails and phone calls. Made things easy to understand when we had questions. Would recommend to anyone looking to get a mortgage. David Candy5/09/2021Yan and Kat, you guys were both amazing when helping me to get my first home across the line, especially when it looked like we may fall short! Also Fraser, for coming on board at such short notice. Thanks team 😁 Leon Fox12/24/2022
- Well, it was never going to be straight-forward going for lending during lockdown when everyone and their next-door neighbours has a similar idea at the same time. To say the banks were running slow, would be an understatement, yet Daniel & Fraser managed to navigate... read moreWell, it was never going to be straight-forward going for lending during lockdown when everyone and their next-door neighbours has a similar idea at the same time. To say the banks were running slow, would be an understatement, yet Daniel & Fraser managed to navigate the hurdles and get 2 deals over the line for us in quite short timeframes.I particularly liked the way they remained professional through all the highs and lows, as well as knowing just what to say at just the right time.One of the deals was a fine line for that particular lender. It was impressive to see the way MHQ negotiated to achieve pre-approval. Adjusting the LVR by a few percent and other things I would not have thought of convinced the bank to approve the deal. read less Brendon Scott10/05/2021My husband and I are very grateful for the team at MHQ especially Cairo. Cairo and his team worked extremely hard to get our mortgage application approved especially right before the Christmas busy period. They were professional and very patient always answering my queries regardless... read moreMy husband and I are very grateful for the team at MHQ especially Cairo. Cairo and his team worked extremely hard to get our mortgage application approved especially right before the Christmas busy period. They were professional and very patient always answering my queries regardless of the time of day. They were very transparent with their information and what our expectations were from the beginning. Highly recommend Morgage HQ with your mortgage needs. Thank You team for all your hard work. God Bless Morgage HQ. read less Elisiva Takau1/07/2023Great and professional services provided by these guys. Blandon, Yang and Ray always provide excellent advices and quick response. Highly recommended. Edmond Wu9/14/2020
- I would just like to thank the team for all your help with refinacing my mortage.
It was a fairly straight forward process and even better, all done online. I like the way my loans have been set up, which means I should be able to... read moreI would just like to thank the team for all your help with refinacing my mortage.
It was a fairly straight forward process and even better, all done online. I like the way my loans have been set up, which means I should be able to pay off my mortgage sooner ? and save alot of interest read less Amy Coghlan7/10/2017We have just bought our first property with mortgagehq.Without the help of Dylan our advisor, there is no way we would be where we are now. He called us, advising on changes in LVR ratios (something we weren't aware of) and helped us to get... read moreWe have just bought our first property with mortgagehq.Without the help of Dylan our advisor, there is no way we would be where we are now. He called us, advising on changes in LVR ratios (something we weren't aware of) and helped us to get our foot in the door. He was on hand throughout the entire process, demonstrating incredible patience with the number of questions first home buyers can field. He also managed to secure finance with a quick turnaround and fantastic mortgage rates we wouldn't have been able to lock down with him.I would definitely recommend the service that MHQ provides! read less Ludwig Worrall-Bader9/14/2020Highly recommend Daniel at IRefi. He was extremely helpful and did everything over the phone and email which was my preference as I didn't have time for meet and greets. He just handled it so I could get on with my life and not worry... read moreHighly recommend Daniel at IRefi. He was extremely helpful and did everything over the phone and email which was my preference as I didn't have time for meet and greets. He just handled it so I could get on with my life and not worry and just reported in with rates and deals he had on offer. It was entirely easy for someone who wants things done efficiently and quickly and to not have to waste a lot of time doing it. He also secured me a great deal and rates. Just what I wanted. read less Alice Buchanan10/31/2017 - 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 moreBlandon 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 a very smooth transaction. thanks to all the other members of the team who were involved. Using a broker really does make a difference. read less Lorraine Lee12/11/2018Everything we discussed, Mortgage HQ did. I am more than impressed and have achieved my shot term property goals with Zhiyang and Kevin's help. They are a professional Dream team! I am beyond happy I chose Mortgage HQ. Ash Mac7/28/2021The idea of a mortgage broker frightens me, but not these guys.. no problem is too big, no drama too small. These guys looked after us so well, extremely flexible and worked to our schedule Kate Wysoczanski3/27/2016 - 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 moreWe 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 their service if you are looking for a broker. read less
Yu-An Chen6/11/2019Andy has been an absolute super star giving us sound advice to start saving for our first home while going above and beyond to help us with our insurance needs. Thank you for the excellent service Andy, your service is gold standard 🙂 Eldary Carpenter8/20/2022IRefi 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 Lavini1/18/2019 - We love dealing with these guys. Ray has been especially quick and prompt with responses and was very informative. Thanks team! Natasha Jacobs9/14/2020David was thorough and committed to assisting us. He was genuine and happy to take the time to explain our options in a manner that could be easily understood. We were looking for something particular and these expectations were met exactly. Would recommend! Thanks guys! Phoebe Richardson6/02/2020Blandon's team is amazing ! Zhiyang and Ray had helped me to get my lending approved when I was stuck with my first broker who said it was impossible. And later Frankie helped me to restructure my loan with a better rate. The entire process... read moreBlandon's team is amazing ! Zhiyang and Ray had helped me to get my lending approved when I was stuck with my first broker who said it was impossible. And later Frankie helped me to restructure my loan with a better rate. The entire process was smooth and fast. Thank you so much guys ! read less Vivien4/13/2021
- Thanks David and Simon for your excellent service and advice. Not sure how we would have managed without you guys! Beverley Claesson5/24/2022We dealt with Jack from Mortgage HQ, he was amazing to deal with throughout the process of getting a mortgage for our new house. Prompt, efficient and always willing to share his advice on the best structure. Very happy with the end result.Thanks Jack... read moreWe dealt with Jack from Mortgage HQ, he was amazing to deal with throughout the process of getting a mortgage for our new house. Prompt, efficient and always willing to share his advice on the best structure. Very happy with the end result.Thanks Jack and the Mortgage HQ team read less Andrew Davies7/06/2021MHQ team are fantastic to deal with and have really understood our needs. They've been proactive and innovative at finding the right solutions. Thanks MHQ James Lee11/30/2021
- Massive advocate of the guys at iRefi. David and Dan especially, huge appreciate to you both for your efforts. Never a problem making time to come and meet us, always had the information we needed ready and were super quick delivering.
Even... read moreMassive advocate of the guys at iRefi. David and Dan especially, huge appreciate to you both for your efforts. Never a problem making time to come and meet us, always had the information we needed ready and were super quick delivering.
Even went above and beyond to help with insurance investigation and referrals.
In a highly competitive industry I could really tell these guys were in it for us, not themselves.
Would highly recommend iRefi to anyone looking to get pre-approval, loan or refinancing.
Cheers Boys and look forward to working with you again! read less Daniel Whittaker11/22/2017Mr. Zhiyang Cheng from mortgagehq has not only helped me and my husband purchase a great property in an in-demand location, but also made sure we have a great mortgage structure. He is a hard and smart worker who has nothing but genuine passion in... read moreMr. Zhiyang Cheng from mortgagehq has not only helped me and my husband purchase a great property in an in-demand location, but also made sure we have a great mortgage structure. He is a hard and smart worker who has nothing but genuine passion in his clients’ success. Great inputs from Blandon as well. We are truly happy with their service. We highly recommend Mortgagehq. read less Angelica Louise Carvajal8/14/2020The guys at mortgagehq are fantastic! I was looked after by Will who took care of refixing our mortgage rates and scoring us a cashback offer! Second person to acknowledge is Dylan who had the task of looking at our financial position so we could... read moreThe guys at mortgagehq are fantastic! I was looked after by Will who took care of refixing our mortgage rates and scoring us a cashback offer! Second person to acknowledge is Dylan who had the task of looking at our financial position so we could be in the best position to sell our house and be able to buy another one. We nearly made a fatal mistake in selling our house without being properly informed and thats where Dylan comes in with all his extensive knowledge and wisdom. Bottom line: I have finally found mortgage brokers I can trust! Thanks guys! read less Karen Taufa7/21/2021 - We have been with mhq now over 4 years, so great and good people with excellent communication and experience. This is the 2nd refinancing on our mortgage and very impressive service specially from Blandon. Thanks. Nadarajah Sutharsan10/14/2020Earlier this year we had excellent help, advice and service from Madhav, part of the Mortgage HQ team. We have been extremely happy with our changes and the advice given through our mortgage process. 10/10 would recommend Rebekah Gray9/12/2022I have been with mortgageHQ for over 2 years now. Zhiyang since the beginning has been awesome. I moved from a broker that said “ you have no ways to buy another property and you will need to wait”. Zhiyang saw our financials and showed... read moreI have been with mortgageHQ for over 2 years now. Zhiyang since the beginning has been awesome. I moved from a broker that said “ you have no ways to buy another property and you will need to wait”. Zhiyang saw our financials and showed us few other options not even mentioned by the other broker. A lot of missed opportunities. We managed to optimise our equity and acquire 2 instead of 1. We since have returned and once again he showed options that most brokers are not interested to spend time explaining. Zhiyang is also pretty good to show you the bigger picture. Just for the fact that they offer free online education for non-clients, shows that MortgageHQ wants people to succeed in property too. This to me shows that they want more for you. You are not just a way for them to get commission. When you approach them, expect to get attention and care for your circumstances. I am sure all brokers in there are very professional and will be able to provide the best service, but as a customer, I totally recommend Zhiyang . Also, I cannot forget about Zhiyang’s team- Alejandro is also great and very professional. He will keep you up to date in every step of the way. read less Fernando Rodrigues9/12/2022
