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 68–74 of 74
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
What if I'm buying at auction?
Auctions are unconditional — your finance has to be fully sorted before you bid. Here's how we get you ready.
When does breaking a fixed rate actually pay?
Three real scenarios with numbers — the break-fee math, the timing, and when staying put is the better call.
Does your advice cost anything?
We’re paid by the lender when your loan settles, so you get full financial advice at no cost to you. The one exception is if we go with a second tier lender who doesn’t pay us a commission — in that case, a fee may apply. This will always be disclosed to you upfront before we proceed.
Another OCR drop? Three smart ways to restructure your mortgage now.
Zhiyang Cheng · 3 min. read time
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