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.
- Zhiyang, Cairo and Marcia were terrific. They made the whole journey from start to finish a smooth one and would definitely come back to mortgagehq again in the future.Daniel Kim11/18/2022
- Very good communication and information along the way. Easily contact able and available House purchase had a 2.5 month settlement and interest rates dropped a bit. We were able to get a good rate and cash back incentive in the end.Derek Bezuidenhout10/14/2020I 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, far better deal then I... read moreI 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, far better deal then 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 read lessmichelle t3/13/2021
- Blandon was super helpful with explaining our mortgage options. Being an investor himself, also suggested a couple of other fantastic investment strategies that really cemented and provided that clarity we needed for next steps.Michael Ung6/22/2020Kevin and Madhav did an excellent job at assisting us with our refinancing process! We are impressed at how quick they responded to all our queries and at how they explained every step in layman's terms. They also got us a good deal with the... read moreKevin and Madhav did an excellent job at assisting us with our refinancing process! We are impressed at how quick they responded to all our queries and at how they explained every step in layman's terms. They also got us a good deal with the rates. We are very happy with how everything turned out and how smooth everything was. Definitely recommended! Thank you Kevin and Madhav! Thank you Mortgage HQ! read lessPia Aguila8/29/2022I used mortgagehq after a friend recommended them to me. Working with Fraser & David made the process for the purchase of my first home a breeze. They communicated clearly and were available to explain or give guidance on any questions I had throughout the... read moreI used mortgagehq after a friend recommended them to me. Working with Fraser & David made the process for the purchase of my first home a breeze. They communicated clearly and were available to explain or give guidance on any questions I had throughout the process. Was definitely nervous buying my first home, but the team left me feeling relaxed and confident. Thanks to Mortgage HQ and their team. Would definitely recommend them!! read lessMatt Chambers6/24/2022
- Dealing with Daniel Lipman was easy, very quick to respond to all my questions and professional at all times. Great service all round. Thanks Dan.Nobukhosi Dube8/06/2018I have been working with MortgageHQ since 2018. They helped with the purchase of an investment property and organised the mortgages for it and my family home. I have always found them to be professional, patient and extremely helpful. I will continue to... read moreI have been working with MortgageHQ since 2018. They helped with the purchase of an investment property and organised the mortgages for it and my family home. I have always found them to be professional, patient and extremely helpful. I will continue to use Mortgage HQ for any future financial endeavours I undertake. I highly recommend them. read lessVICKI YOUNG9/14/2020We 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 lessLudwig Worrall-Bader9/14/2020
- We had Jack as our broker. In the crazy Covid time’s, he walked us through our first mortgage, and gotten Pre approval from the bank in 4x days and had everything sorted for us to ensure we were prepared for the auction, which we won... read moreWe had Jack as our broker. In the crazy Covid time’s, he walked us through our first mortgage, and gotten Pre approval from the bank in 4x days and had everything sorted for us to ensure we were prepared for the auction, which we won & had all settled in time. Would highly recommend! read lessDan E2/13/2021Jeremy and Cairo have both been very helpful in helping us get a Reno top up and refinancing. They communicate well and are very knowledgeable and professional.We will continue to use and recommend mortgagehq, thanks for your help!J&LJared Cooney6/09/2021I 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 moreI 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 was too big or too small and David was always patient and made sure any advice he gave was fully understood.
I really can't thank David and iRefi enough for the service provided from start to finish. For anyone looking at refinancing give the team a call. read lessAx Ax6/11/2019 - Have been with Mortgagehq for over 5 years now and they have always helped me secure the best rates available in the market. Prompt, fast and very easy to deal with. Once again appreciate all your assistance.Prince Khobragade9/30/2021My first experience with Mortgage HQ was great. Zhiyang and Kevin was great to work with. They were very professional and proactive in communication. Zhiyang was very knowledgeable and always gave updates and asked if I need had any questions. He was very approachable and... read moreMy first experience with Mortgage HQ was great. Zhiyang and Kevin was great to work with. They were very professional and proactive in communication. Zhiyang was very knowledgeable and always gave updates and asked if I need had any questions. He was very approachable and friendly. 🙂 read lessNaomi Kang3/25/2022
- Great service for what has become a pretty arduous process. Good communication and call backs/ emails for any of our questions.Jo Eberly9/18/2022Despite the banks getting super tough due to new rules and regulations Blandon never gave up and in the end got me the best deal ever, and on top of that the largest cash back my solicitor had ever seen as well! Thanks Blandon and... read moreDespite the banks getting super tough due to new rules and regulations Blandon never gave up and in the end got me the best deal ever, and on top of that the largest cash back my solicitor had ever seen as well! Thanks Blandon and team IRefi! read lessBenjamin Kwan12/22/2017
- 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 moreI 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 and clear throughout the entire process and my wife and I were very impressed with how smooth the entire process was. read lessSumed Ingrole3/28/2019
- Zhiyang and his team, Yang and Alejandro, were great to work with. Zhiyang was keen to provide a lot of information so I could consider my options. The whole team was very responsive and I would definitely recommend to others.Chun-Jin Yoon12/02/2022Blandon rocks, he is professional and patient. He always get back to my queries in a timely manner, the most importantly, he treats every customer the same no matter the size of the business.Wen Fan8/02/2017Madhav was superb and went above and beyond to secure the loan for our new build and restructure the existing loan. I have always dealt with bank directly, but now a strong advocate of Madhav and his team. I would recommend Mortgage hq. Very accurate... read moreMadhav was superb and went above and beyond to secure the loan for our new build and restructure the existing loan. I have always dealt with bank directly, but now a strong advocate of Madhav and his team. I would recommend Mortgage hq. Very accurate with the numbers and prompt response.Thank you very much. read lessThomas Joy5/21/2022
- Madhav and his team were superb to work with. All communication was precise, prompt and friendly. Their process was transparent so there were no hidden surprises from them or our mortgage lender. They worked hard in the background to find the best product suited and... read moreMadhav and his team were superb to work with. All communication was precise, prompt and friendly. Their process was transparent so there were no hidden surprises from them or our mortgage lender. They worked hard in the background to find the best product suited and personalised for us. We will most definitely be using them again. read lessSarah Hyatt7/10/2022Dealt with Madhav (broker) and Yamin (assistant manager) for our investment property purchase. Madhav is a confident and knowledgeable broker who not only secured the lending in a timely manner but had lots of useful advice for property investment. Yamin is super friendly,... read moreDealt with Madhav (broker) and Yamin (assistant manager) for our investment property purchase. Madhav is a confident and knowledgeable broker who not only secured the lending in a timely manner but had lots of useful advice for property investment. Yamin is super friendly, approachable and was the perfect link person between us and the bank to secure the loan at a good rate. Highly recommend mortgagehq! read lessPeter C12/17/2022Hi,mortgagehq guided and were a big help with the purchase of our first home. Dave and Fraser particularly were great, responsive and very professional. I do recommend these guys for anyone looking for a broker.If I do make another purchase, I will be using their... read moreHi,mortgagehq guided and were a big help with the purchase of our first home. Dave and Fraser particularly were great, responsive and very professional. I do recommend these guys for anyone looking for a broker.If I do make another purchase, I will be using their services again.Thank you very much! read lessDesmond Benefield2/13/2021
- After of weeks of frustration with the bank trying to complete the mortgage for a new home build myself, we contacted IRefi.
Best decision we could have made!
Andrew, Eugene and the team were knowledgeable, helpful and took all of the stress and effort out... read moreAfter of weeks of frustration with the bank trying to complete the mortgage for a new home build myself, we contacted IRefi.
Best decision we could have made!
Andrew, Eugene and the team were knowledgeable, helpful and took all of the stress and effort out of buying and building our first home.
Eugene was able to give great advise through the course of our new build and the customer service level from him was excellent!
We ended up with a great rates from the bank, a smooth seamless process and great mortgage advise. IRefi took all of the pressure and stress off dealing with the bank directly and we feel as though they truly have our best interests at heart.
Would recommend to anyone looking to refinance, buy their first home or simply looking for mortgage and property advise.
Great company and good group of guys.
10/10 will be using again! read lessAsh Nicholson7/28/2017Thanks David and Simon for your excellent service and advice. Not sure how we would have managed without you guys!Beverley Claesson5/24/2022Our experience with Matt and his team in helping us restructure our mortgage was seamless. They offered great communication throughout the whole process. Matt is incredibly knowledgeable, professional and patient and was always just a phone call/email away to answer any questions.... read moreOur experience with Matt and his team in helping us restructure our mortgage was seamless. They offered great communication throughout the whole process. Matt is incredibly knowledgeable, professional and patient and was always just a phone call/email away to answer any questions. Highly recommended. read lessRyan Page6/24/2022 - 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 moreMadhav 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 twice now and will continue to use him again in the future. Highly recommend these guys. read lessMeredith Gudgeon1/11/2019
- Such a positive experience. Quick to respond and answer all my questions, professional and friendly and made the process so easy. I would definitely use them in future.Tabatha Vlug10/03/2021
- These guys are 100% legit. I came across an ad on Moneyhub while looking for a mortgage broker recommendation then decided to give it a go after reading some reviews. I have to admit that was the best decision we ever made. They not only... read moreThese guys are 100% legit. I came across an ad on Moneyhub while looking for a mortgage broker recommendation then decided to give it a go after reading some reviews. I have to admit that was the best decision we ever made. They not only secured us a good deal but also handled everything very smoothly and professionally from start to end. I highly recommend Cairo and Simon. We couldn’t have found anyone better to represent us. Best wishes for the team MHQ team. read lessSonny R9/05/2022Can'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 Versteeg9/01/2019The 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 lessKaren Taufa7/21/2021
- Matt Willoughby and Marcia both have been very helpful in our journey to get second home much sooner that we would have expected. Thanks again for all your help and advice in such a tricky market!Robbie McKenzie3/25/2022We had been loyal to one bank for over 15 years. Thanks to Nitin, Blandon and the team at iRefi, we switched mortgage lender and made significant savings. Wish we’d done this sooner.Aneel Monie6/26/2018Such a fantastic service. We have recently had support in applying a new rate to our mortgage - mortgagehq initiated contact and let us know our term was almost up & did all of the work from here, with clear and effective communication. This was... read moreSuch a fantastic service. We have recently had support in applying a new rate to our mortgage - mortgagehq initiated contact and let us know our term was almost up & did all of the work from here, with clear and effective communication. This was the most simple re-fix possible! Thanks Franke. read lessSophie Hickmer5/20/2021
- We had a wonderful experience with Matt and Marcia. Our discussions with Matt were really informative and helped us look into opportunities we didn’t even know were there. The follow up with Marcia was always quick and she only ever a phone call away. Highly recommend.Bryce Morrison6/24/2022
- I have been with Mortgagehq for 3 years.They are really professional and acting on behalf of me. With the new structure of my loan I had my loan repayment cut by 33%.Theresa Wang2/13/2021Three months, two offers, one broker, zero hassle. What does that equal?
Trick question, that was my experience with Dan "The Man" Lipman.
I went to the bank to organise everything on my first offer, fresh outta uni, thinking I knew the game and I had... read moreThree months, two offers, one broker, zero hassle. What does that equal?
Trick question, that was my experience with Dan "The Man" Lipman.
I went to the bank to organise everything on my first offer, fresh outta uni, thinking I knew the game and I had it sorted. Bank spat out numbers, rates and conditions. I thought it was going to be eaaaasy, I had done my calculations, all I had to do was hustle the bank.
In reality, they gave me rates and I had no bargaining power, my sorry ass got shot back down to reality. In the end, I pulled the offer out for want of a building consent on a pre-1992 extra room, and something about insurance not covering me.
Obviously realising that I had overestimated my game, I turned to a broker for my second offer. That old adage about being plenty of fish in the sea is especially true in the broker industry. I had discussions with several brokers, and long story short, I took a punt on Daniel. Over the phone, he just sounded hungry. I like that. Plus, he also took my call at 10pm on a Sunday, what a champion.
Punts don't often go my way, like when I chose Brazil to beat Germany in the 2014 Fifa Semis....well, we all know how that went. Mr Lipman on the other hand? Hit the jackpot, the nail on the head, and every other similar metaphor you can think of.
Look, he directed me to the website. I entered my details, my payslips, bank account details, all that jazz - seamlessly, I might add - their website is smoooooth. He contacts me the next morning telling me the application for lending is already on the way. I hadn't even had my morning coffee yet, man. Damn, that was fast.
Purchasing property makes you realise quickly how poor you really are. First bank wouldn't lend me the amount I needed. Mr Lipman then makes a few twists to my application, and simultaneously went to hustle another bank to see if more lending could be done. Second bank comes back with a similar figure, so Mr Lipman goes back gun-blazing on the first bank. Ultimately, the final number wasn't what I wanted, but he fought hard and I respect that hustle. Worth mentioning it was better than what I could've gotten myself.
With financing sorted, offer goes unconditional, and we meet for coffee near my work to discuss loan structure and rates. Mr Lipman whips out his laptop throws and pulls up his sick iRefi software. This is where I am absolutely blown away, well there are multiple reasons actually.
It wasn't the fact that he managed to get me a two year rate that was lower than the one year rate I had asked for at the bank on my first offer. Nah, it was his software that showed all the key numbers intuitively and his dedication to explaining all the T&Cs in plain English.
I majored in finance at varsity, so I (sorta) knew the mechanics behind the numbers. That made Dan's job easier. But damn man, imagine if I had iRefi's intuitive software and Dan as a finance tutor? I might have gotten better grades!
I could easily see how Dan could coach a less financially-minded client through even the curliest hoops, and that in my opinion is the making of a great broker.
Settlement has come and gone. I'm a proud homeowner, and get to pay rates now. But Dan even managed to get me a pretty sweet cashback. They say I should use it to pay my solicitor....but any spare change goes towards a bottle of the Laphroaig for Mr Lipman, my shout! Well deserved, great innings.
I will wind it up here.
If you're on that tl;dr buzz, then it's simple.
Get an iRefi broker, and pray to whatever deity you like that you get assigned Daniel Lipman. He's hungry, he knows the game, and he'll take care of you. read lessAlex Yuen7/02/2018The 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 lessKyra Lee Harrison6/27/2018 - I started my journey into my first home 2 years ago with MHQ dealing with Daniel Lipman. We've had to do multiple re-approvals, negotiations with the bank, settlement stress and then most recently in the last year, Daniel has dealt with my panicking calls... read moreI started my journey into my first home 2 years ago with MHQ dealing with Daniel Lipman. We've had to do multiple re-approvals, negotiations with the bank, settlement stress and then most recently in the last year, Daniel has dealt with my panicking calls freaking out about interest rate increases. Through the whole process Daniel's service has been top notch. He's gotten me the best deal possible, dealt with dramas with the bank and most importantly, I've probably been a bit rough on him at times but he stayed calm and really calmed me down in the process too. I refer to him as my mortgage counselor/therapist now. In summary, Daniel has provided me with next level service and if he was ever looking for other work I'd want to snatch him up for my sales team. Thank you! read lessWayne Baker9/16/2022
- Blandon and his team were able to do the almost impossible for us - very professional and capable team. Would whole heartedly recommend iRefi to anyone who is looking to purchase a property! 5 stars.Isaac Ko9/29/2017I 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 lessFernando Rodrigues9/12/2022Myself and my husband are very grateful for Zhiyang, Cairo and Marcia who helped us with our refinance. Their communication was ????and they were all so helpful and supportive especially with answering our many questions????They made everything clear and easy for us. Would ???? recommend... read moreMyself and my husband are very grateful for Zhiyang, Cairo and Marcia who helped us with our refinance. Their communication was ????and they were all so helpful and supportive especially with answering our many questions????They made everything clear and easy for us. Would ???? recommend Mortgage HQ. read lessMaibo Aviu2/10/2023
- Zhiyang and Simon have been super great working with us over a long 8 months buying a place off the plans, super prompt full of knowledge with fantastic advice. We will be coming back when we need anything mortgage related.Vern Bester8/15/2022