In 2015, we started with a clear purpose.
We started because getting a house loan shouldn't feel like a cold transaction. You need a real strategy for your life, not just an approval email.
We build clear plans across mortgages, KiwiSaver, and insurance so everyone making New Zealand home can step forward with confidence. No jargon, no runaround—just sharp numbers and honest advice.
Our Mission
Empowering 50,000 Kiwi families towards financial freedom.
We help families build a clear path to financial freedom. By matching your property plan with the right protection, we give everyone making New Zealand home the clarity to make smart moves and grow their wealth safely.
Award-Winning Advisers
We are proud to be named the 5th Top Brokerage 2026 by NZ Adviser and celebrating all our advisers who also made the Top Adviser 2026 list – Zhiyang Cheng, Simon McDonald, Ray Wang, Anna Savage, Jason Lai, Frankie Su and Hari Edey.
Who Is MHQ?
While arranging mortgages is a big part of what MHQ does, the company's true purpose is to help everyday New Zealanders make smarter financial decisions.
2015 — 2026
A decade of success
2015
iRefi was founded
2017
We won our first award
2019
Property school
2020
Rebrand to MortgageHQ
2022
Swept awards
2024
#1 in NZ
Today
MHQ — a new chapter
The convictions that drive everything we do
1. Clear Advice
Plain English, no fine-print surprises, and no hidden bank agendas.
Just honest guidance from start to finish.
2. Professional Service
High-level financial expertise delivered with real warmth. We are award-winning advisers advisers who are easy to talk to.
3. Local Knowledge
As an advisory firm, we live locally and give practical advice from our own experiences.
4. People Before Products
Your plan starts with your story - your life, your cash flow, and your family's future.
Our key advisory team
Meet the rest of the MHQ team
Simon McDonald
Managing Director & Financial Adviser
With a rich background as a business owner, property investor, and military leader, Simon delivers tailored mortgage advice at MHQ to help clients achieve financial success.
Meet Simon
Zhiyang Cheng
Commercial Director & Financial Adviser
With a strong background as an elite adviser and former national athlete, Zhiyang delivers optimal mortgage structures at MHQ to guide clients toward financial freedom.
Meet Zhiyang
Andy Turner
Head of Advice (Insurance & KiwiSaver)
Andy is a Director and Head of Advice at MHQ with 18+ years in financial services, passionate about helping Kiwis protect their wealth and make confident financial decisions.
Meet Andy
Anna Savage
Head of Advice & Financial Adviser
With over seven years of industry experience, Anna simplifies finance for first-home buyers and property investors, empowering them to reach their wealth goals.
Meet Anna
Jason Lai
Head of Performance & Financial Adviser
Jason is the Head of Performance with 10+ years of property experience across Australia and New Zealand, passionate about helping clients make confident lending and property decisions.
Meet JasonAre you interested in joining a growing team with real support?
MHQ is growing. We're adding more associate advisers in 2026. If you want lead flow, mentorship, compliance done right, and a brand that opens doors — we should talk.
NZ Adviser Magazine Award-Winning Advisers
The 2026 rankings for the top brokerages in New Zealand have been released by NZ Adviser, highlighting standout performers in the industry.
The NZA ranking recognises firms generating lending activity while consistently progressing borrowers through tighter approval conditions.
- the size of the total loan book;
- average settlements per loan writer;
- total settlements over the last year; and
- the conversion rate to clients
We are proud to be named 5th Top Brokerage 2026 by NZ Adviser and celebrating our advisers who also made the list – Zhiyang Cheng, Simon McDonald, Ray Wang, Anna Savage, Jason Lai, Frankie Su and Hari Edey.
