We started in 2015 to provide transparent advice and low rates to kiwis. Andrew explains the story and why NZ needed another mortgage adviser.
10,000 years ago families were fighting over caves as a place to keep their family warm and store their wealth.
Andrew and Blandon co-founded mortgagehq together in 2015.
Our advisers can achieve you fantastic results with the help of submission, servicing, and settlement specialists. Learn how our team works together for you.
Book a 10-minute introductory chat. We can help clarify your current situation and immediate goals and match you with an adviser specialised in your situation.
Choose a mortgage adviser to work with you, broker your mortgage, and help guide you to achieving your property, mortgage and financial goals.
What does a mortgage broker actually do for you? Can you trust them?
Learn what to expect and how we help at every stage of the process.
Current mortgage rates alongside historical data. Plus an explanation of factors you need to understand before choosing a bank and mortgage rate.
How much does it cost to work with us? What are your options to get a pre-approval? And what other options are available for you.
Book a 10-minute introductory chat, we can help clarify your current situation and immediate goals then match you with an adviser specialised in your situation.
We created this model to structure our education. Learn the typical pathway kiwis take to build their financial independence, identify your stage and what you should focus on now.
Watch and read from 100s of articles and videos covering topics such as ‘beginner mistakes to avoid’, ‘interest-only mortgages explained’, and much more.
All 3 stages in the mortgage lifecycle have a masterclass to unpack exactly where you are, what options you have now, and what strategies you should implement today.
Step by step instruction on how to build your portfolio. An extensive course with over 90 easy to digest videos, spreadsheet calculators, and access to an exclusive online community.
The first principles of the Property Formula Workshop over a 7-day sprint. If you are on the fence about the property formula workshop – start here.
Learn How to Build $80,000 of Rental Income in 5 Years, with our Stage 2 Masterclass. Results vary and you should have $100,000 of usable equity before entering stage 2.
Over 20,000 kiwis have used this tool! It can tell you your borrowing power and what options you have to save money on your mortgage. More in depth results are also emailed to you with explanations.
Compare major banks borrowing power calculators – there is nearly a $500,000 difference between results. Learn the math behind mortgage calculations and what factors have the largest impact.
Calculate your mortgage repayments for principal and interest lending or interest only lending.
See how long it will take you to get mortgage free, this calculator includes the ability to add lump sum repayments at regular intervals.
Discover all your mortgage options online with our advanced borrowing power calculator. Results include your borrowing power, restructure savings and more. Make informed plans and get mortgage free.
You can download this important disclosure information here.
The following information provides you with an important overview of mortgagehq ltd, our duties to you, fees, and how we manage complaints.
mortgagehq limited, FSP463846, trading as mortgagehq holds a financial advice providers (FAP) license issued by the Financial Markets Authority.
mortgagehq provides advice to our clients about only their general home loan needs. mortgagehq has access to all New Zealand main banks, including a range of non-banking lenders to provide a unique solution for our clients. The banking institutions mortgagehq advisers have access to, are the following:
Generally speaking, mortgagehq does not charge for it’s advice. However, in certain situations where the client’s requirement may be more complex, mortgagehq may charge a fee for offering the financial advice. The exact fees we will charge will be confirmed before the advice is provided and the client can decide to proceed or not.
Mortgagehq may charge an application fee in certain circumstances. The exact fees we will charge will be confirmed before the advice is provided to give the client time to decide if they want to proceed. Mortgagehq may also charge a brokerage fee when dealing with non-bank lenders. The exact fees we will charge will be confirmed before applications are submitted.
mortgagehq has strong working relationships with New Zealand based lenders. These relationships allow us to provide competitive pricing and help us meet our expected service expectations to a high standard.
mortgagehq are paid in the form of commission from lenders through which we place business. The amount of the commission we receive depends on the loan amount of any loan, and lender. Typically we receive an upfront initial commission of between 0.45% to 0.85% of the total loan amount.
mortgagehq may also receive annual ongoing commission of between 0.125% and 0.2% for every year your outstanding loan balance that remains with the bank. We will provide more specific details of these commissions once we have talked to you and understand your needs/at the time our advice is given.
Our advisers receive a salary as an employee of mortgagehq. They are eligible to receive a bonus each quarter of a certain level of overall performance is achieved. The performance incentive accounts for (but not limited to) individual financial targets, quality of work, and team performance.
Mortgagehq believe in their recommendations provided to all clients and have an ongoing responsibility to ensure these client’s needs and lending requirements are managed to a high standard, and on an on-going basis. This means mortgagehq will receive an ongoing commission payment from the lender for this service.
To ensure that our financial advisers prioritise our clients interests above their own, we pay our advisers on a salary basis.
Mortgagehq policy is to only engage with clients where there is a clear material benefit to be gained for our clients, otherwise, we will refuse to engage. We do not want to waste your time if we do not think we can or should help.
Mortgagehq have clear ‘conflict of interest’ policies and procedures. Our financial advisers follow an advice process that ensures our recommendations are made on the basis of each client’s goals and circumstances. All our financial advisers undergo regular training about how to manage conflicts of interests. We undertake a compliance audit, and review of our compliance program annually, completed by an external compliance adviser.
If you are not fully satisfied with the service provided by an mortgagehq adviser, please contact your adviser, or mortgagehq directly. The managing director is available at andrew@mhq.co.nz
The mortgagehq complaints officer will acknowledge your complaint in writing within 8 business hours, and endeavour to resolve your complaint in a timely manner. You can find more about our complaints process online on the next tab, titled disputes and complaints.
Mortgagehq believe in helping our clients plan and organize their property/investment life cycle through understanding your position, situation and delivering bespoke advice to achieve these goals.
We are bound by duties outlined under the Financial Markets Conduct Act 2013, and must:
mortgagehq limited holds a financial advice provider licence issued by the Financial Markets Authority.
You can contact us at:
Phone: 0800 733 462
Email: andrew@mhq.co.nz
Post: PO BOX 54229, The Marina, Auckland 2144
You can download this important information about disputes and complaints here.
Further disclosure information regarding complaints is available to download here.
At mortgagehq, we are focused on providing excellent client service and quality advice. We only try to help when we can see that our solutions will put you in a better situation. Our business focus and key endeavour is to help clients plan and organize their property/investment and mortgage life cycles.
If you do not believe we have delivered on this promise, we would like to hear your comments.
Complaints are a valuable way to maintain and improve our standards.
If you have a complaint regarding our adviser’s service, explanations, product outcomes, or do not believe we have met the requirements outlined in our disclosure and/or Nature and Scope of our Advice; we would like to hear from you.
We prefer that you contact your adviser first. If you do not feel comfortable in doing this, or believe the complaint will not be resolved, you can contact mortgagehq’s compliance officer using the following methods. You should always feel comfortable contacting the managing director directly or by CC’ing him into correspondence with the adviser.
We handle complaints first, internally, with an open mind and discuss the complaints handling process in a transparent manner. We will endeavour to resolve your complaint to your satisfaction, within 5 business days. If we have not resolved your complaint within this timeframe, we will outline why, what action is underway and an understanding of the timeframe for resolution.
If you are unable to resolve your complaint with mortgagehq directly, you may refer it to Financial Services Complaints Limited (FSCL) of which mortgagehq is a member. FSCL is an approved independent dispute resolution scheme that handles complaints in the financial services industry, including financial advisers.
This service is FREE to customers.
Further information is available at www.fscl.org.nz, and is also able to be contacted by phoning them on 0800 347 257.
In these Terms:
including and similar words do not imply any limit
Loss includes loss of profits, savings, revenue or data, and any other claim, damage, loss, liability and cost, including legal costs on a solicitor and own client basis
personal information means information about an identifiable, living person
Terms means these terms and conditions titled Website Terms of Use
Underlying System means any network, system, software, data or material that underlies or is connected to the Website
User ID means a unique name and/or password allocated to you to allow you to access certain parts of the Website
We, us or our means mortgagehq Limited.
Website means https://mhq.co.nz
You means you or, if clause 1.1b applies, both you and the other person on whose behalf you are acting.
We (and our licensors) own all proprietary and intellectual property rights in the Website (including all information, data, text, graphics, artwork, photographs, logos, icons, sound recordings, videos and look and feel), and the Underlying Systems.