You are likely to be in Stage 0
Of the Mortgage Lifecycle
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We recommend that you discuss with your adviser about income allocation theory and how you could structure your mortgage to pay it off faster.
What is the Mortgage Lifecycle?
The Framework
Most Kiwis never leave Stage 1. Here’s the path that changes that.
After working with over 5,000 New Zealanders, we noticed a pattern. The ones who built real wealth didn’t do anything dramatically different – they just had a map.
The Mortgage Lifecycle is that map: four stages, one destination.
Who is MHQ?
What started as a fledgeling mortgage brokerage focused on helping kiwis refinance mortgages had matured into a highly driven company hunting pragmatic results for clients and stakeholders, then guiding them down the pathway to property goals.
When MHQ is looking to bring on new team members we stress to them that this is an advisory office. Our role is to help clients plan their property investment lifecycle. This also means helping you avoid mistakes. Each of our advisers is encouraged to be proactive, to make your lives easier with connections to agents, accountants, lawyers and by streamlining the mortgage and insurance processes as much as possible.
See what our clients are saying...
“Great advice and help. Very professional and explained everything clearly. Answered all questions I had and made sound advice for me to move forward. Once I make the decision I will be contacting them to help with finances”
— Michelle .Mackay
“Thank you very much in helping us sort our mortgage quick and easy. We highly appreciate the prompt responses and constant communication of Anna and her team that enabled us achieve our goal in refinancing our home loan. Great service and highly recommendable!”
— Gene p
“Amazing service provided by the MHQ team. Dealt with Simon regarding refinancing our existing mortgage. All went extremely smooth and got the best of best offer available in the market during our application process. The advice we received was genuine and 100% aligned to our goals and future expectations. Would highly recommend signing up with MHQ if someone need mortgage/financial advice as the team is very experienced and have competitive approach.”
— Rohit Saini
“Hari was an absolute legend! He is always accurate, well-organised, prompt, and caring, and he makes sure to consider my needs based on my circumstances. He was always there whenever I had questions. Without his support, I wouldn’t have been able to achieve this goal so quickly. I feel honoured to have worked with him.”
— Yasuko Okamura
“Massive props to Frankie and Alejandro for sorting out my refinancing. Gave some excellent advice on the new structure. And when the bank came out with their 1.5% cashback offer they fought really hard to get it – needed bank manager approval and documents reissued – but definitely worth it. I can’t recommend these guys enough.”
— Edmund Yeung
“Jason and his team were absolutely brilliant to work with. They made the whole refinancing process and buying an investment property super easy and stress-free. Always friendly, approachable, and quick to reply whenever we had questions. They really went the extra mile to find us a great deal and kept us updated every step of the way. We’re so grateful for all their help and couldn’t recommend them highly enough — we’ll definitely be back next time!”
— Noela Dugu
As seen in
Watch Now:
Maximise Your First Home Results
Watch a series of tips tailored for where you’re at in the mortgage cycle, on our YouTube channel.
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