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.
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How do you increase borrowing capacity?
We look at your full income picture — salary, rental income, business income, family contributions — and find ways to present your position as strongly as possible to the right lender. Sometimes it’s about structure, sometimes it’s about lender selection, sometimes it’s both.
What lending strategies do you use for investors?
Depending on your goals and position, we might look at interest-only periods, revolving credit, equity recycling, fixing strategically, or restructuring across multiple properties to free up capacity. It’s not one-size-fits-all — it depends on where you are and where you’re going.
Another OCR drop? Three smart ways to restructure your mortgage now.
Zhiyang Cheng · 3 min. read time
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