Another OCR drop? Three smart ways to restructure your mortgage now.
Lisa and Tom had $180k of usable equity locked up in their Tauranga home and a bank that kept saying 'maybe next year'. Here's the structure MHQ used to get them across the line — interest-only, equity recycle, lender switch — and the four-year plan that followed.
Zhiyang Cheng,
Mortgage Adviser & Sales Manager
Advice for every stage, all our knowledge in one place.
Resources
Showing 36–46 of 46
The Mortgage Lifecycle Case Studies
Zhiyang Cheng · 9 min. read time
Whose side are Mortgage Brokers on?
Zhiyang Cheng · 14 min. read time
Property Investing
Zhiyang Cheng · 3 min. read time
Pricing & Home Loan Pre-Approval Options
Zhiyang Cheng · 6 min. read time
Property Value NZ: How to Find Your Home’s Worth
Zhiyang Cheng · 5 min. read time
MHQ NZ Top Brokerage & Adviser 2025 As selected by NZ Adviser
Zhiyang Cheng · 8 min. read time
MHQ Advisers Named Among New Zealand’s Top Mortgage Advisers 2026
Zhiyang Cheng · 5 min. read time
Get Our Free 20 Case Studies E-Book
Learn How Everyday Investors Achieved 8%+ Gross Yield with Proven Strategies