Lending built for your next move. Not just this one.
We work backwards from your goal and build lending that gets you there — not just lending that gets you approved. Borrowing strategy, lender selection, loan structure, ongoing advice. Across first home, restructure, investment, and portfolio.
Where are you right now?
Advice differs by stage. Jump to what's relevant to you, or take the 60-second quiz.
Getting started
Deposit, KiwiSaver, pre-approval, lender choice for first-time buyers.
Strengthening your position
Better structure, faster repayment, fixed/floating splits, refinance.
Growth & expansion
First investment, equity unlock, upgrade, structuring the next move.
Long-term wealth
Multi-property optimisation, entity advice, financial freedom.
Calculators
Numbers you can trust before you talk to anyone. Run the figures, see where you stand.
How much can you borrow?
Realistic estimate based on your income, expenses and deposit, before you talk to a bank.
What will your repayments be?
Map out your weekly, fortnightly, or monthly cash flow impact across different interest rate scenarios.
When will you be mortgage-free?
Discover exactly how slight increases to your principal payments can slice years off your total loan term.
What our Mortgage advice covers
Borrowing strategy
We assess your full income picture — salary, rental, business — and present the strongest case to the right lender.
Lender selection
Every lender has different policies and appetite.
We identify the best fit for your strategy.
Loan structure
Fixed splits, revolving credit, offset facilities, repayment cadence. The decision most people make without thinking.
Investment property
Interest-only, equity recycling, cross-collateralisation, entity structuring.
Refinance & restructure
Better rate, better structure, equity unlock — and the timing that minimises break costs.
Complex situations
Trusts, companies, business income, multiple entities. More prep, but it gets the deal across.
“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
Got a mortgage question? Search the Knowledge Base.
Another OCR drop? Three smart ways to restructure your mortgage now.
Shorter term, revolving credit overlay, split-fix to ride the curve. The trade-offs of each.
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.
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.
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.
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.
Do you only deal with mortgages?
No. We provide advice across mortgages, KiwiSaver, and insurance. Each affects the other, so we look at all three together. Your KiwiSaver strategy, your insurance cover, and your lending structure should all be working in the same direction.
How do you structure a loan — and why does it matter?
Structure determines how flexible your lending is, how fast you can repay, and whether you can move again when opportunity arises. We look at fixed vs floating splits, revolving credit, offset facilities, and repayment strategy — not just the rate. A poorly structured loan can cost you years.
Where do I start?
With a conversation. We’ll get a clear picture of your goals, your current financial position, and where you want to go. From there, we can tell you exactly what’s possible and what we’d recommend.
Can't find an answer to your question?
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