Have dealt with Jack for a couple years now and he is always very helpful and proffessional, just recntly started talking with Frankie and also very helpful and professional. Always straight up and never any issues so you know where you are financially and what you need to do. Definately recommend Thanks for help and assistance guys, see you again.
Well, it was never going to be straight-forward going for lending during lockdown when everyone and their next-door neighbours has a similar idea at the same time. To say the banks were running slow, would be an understatement, yet Daniel & Fraser managed to navigate the hurdles and get 2 deals over the line for us in quite short timeframes.I particularly liked the way they remained professional through all the highs and lows, as well as knowing just what to say at just the right time.One of the deals was a fine line for that particular lender. It was impressive to see the way MHQ negotiated to achieve pre-approval. Adjusting the LVR by a few percent and other things I would not have thought of convinced the bank to approve the deal.
Daniel and Fraser of mortgage HQ have been professional, addressed all my concerns and questions regarding many aspects and options of mortgage, and played crucial roles in my financial planning.They have gained my trust.I am looking to stay in touch and develop my portfolio.I definitely recommend them 👌
I am very happy for the service I received from MortgageHQ, from Jack's team. I have been provided heaps of information to read and with that I was able to prepare myself during discussions/planning and helped me decide with their guidance the best approach to managing my mortgage at this stage. Although the national lockdown have delayed the process in settling my refinancing application, the team have been in touch with me the whole time giving assurance that they are still working with the bank. I am grateful for their help and would definitely recommend MortgageHQ to my family and friends.
Zhiyang and the team are not only the ordinary mortgage brokers, they have also become my trusted advisors. Zhiyang is very knowledgable and understands how to help customers to achieve long term goals which is invaluable to me. Zhiyang is also super patient, approachable and has the ability to explain complex concept in an easy to understand manner. I wouldn't hesitate to recommend Mhq.
MortgageHQ is more than your typical mortgage broker. They have helped me to review my portfolio, find out my needs and recommend ways and strategies to fully optimise lending and investments. Would definitely recommend them to anyone who is open to maximising their portfolio.
MortgageHq has truly been a font of knowledge about all things mortgage and figuring out how to make it work.Dan has been so fantastic to deal with in every way. Friendly, super knowledgable, and comes up with all the options to make a deal work.Can't recommend him highly enough!
Big thanks to Zhiyang! If there was a 10 star button, I would certainly give them that. Excellent services with the quickest response and turn around time! I have worked with 3 other mortgage brokers but Mortgage HQ has truely been the best. Other brokers struggled to get the amount I wanted to borrow but mortgage HQ has processed it without any doubt and got it approved within very short time. Special shout out to Zhiyang, who has been a wonderful partner, replied and checked documents even at 12-1am in the morning to ensure everything is fine as my mortgage was very urgent. And Alejandro has been a great support along the process.I would definitely recommend mortgage HQ as it was truly a life changing experience (well they got me the house when everyone else couldn’t).Thank you to the whole crew!Kind regards, Katherine.
The initial intention was only to get a second advice on how we can expand our property investment goals. It turned out that Jack even took the time to review our existing mortgages structure and provided us with a personalised financial advice to restructure our mortgages. We needed up choosing Jack as our new mortgage brooker. Jack has a great knowledge about property investment, always transparent and being open of the pros and cons of each option. We are currently working with Jack on getting the next investment property. Thank you MortgageHQ!
I highly recommend Jeremy Grey from mortgagehq. He is really knowledgeable, friendly and enthusiastic. I’ve never once felt pressured and I know that he knows his stuff. He has great ideas and suggestions and works for you the client. He really does go over and above and ensures you are getting what you need/want. If you are looking for someone to assist you with any mortgage needs get in contact with Jeremy.
We received great advice from Zhiyang regarding the loan application process and the structuring of our home loan. He was very patient in helping us get an approved home loan for our non-standard contract. We also appreciated his responses to our many queries throughoutthe process.
We have been using mortgageHQ for the past 5 years and find their service to be fuss free (especially for the time poor), service is very well explained and beneficial in terms of providing the best outcome for my financial need. Would highly recommend.
The guys at mortgagehq are fantastic! I was looked after by Will who took care of refixing our mortgage rates and scoring us a cashback offer! Second person to acknowledge is Dylan who had the task of looking at our financial position so we could be in the best position to sell our house and be able to buy another one. We nearly made a fatal mistake in selling our house without being properly informed and thats where Dylan comes in with all his extensive knowledge and wisdom. Bottom line: I have finally found mortgage brokers I can trust! Thanks guys!
As usual we received some great advice and support when it was time to review our current mortgage situation. The newsletters are always a great source of information. We are glad to have mortgagehq on our side to answer all our home mortgage questions and be the liaison with our bank.
Zhiyang has been very helpful in our property investment journey. Love having someone in our team that helps us understand our situation (goals and borrowing capacity) and gives tips on how we can grow our portfolio further. Both Zhiyang and Fraser are very responsive and made our first investment property purchase a breeze. Highly recommend MortgageHQ for their service and knowledge! 😊
We dealt with Jack from Mortgage HQ, he was amazing to deal with throughout the process of getting a mortgage for our new house. Prompt, efficient and always willing to share his advice on the best structure. Very happy with the end result.Thanks Jack and the Mortgage HQ team
I've been wanting someone to open my eyes to the possibilities that exist in my equity and property. Not just someone who will do what I ask them because I don't know what to ask! I needed someone to sow idea seeds then equip me. I found all this in Mortgage HQ - first via their YouTube channel and then through the actual team members who have spent time understanding my specific situation and work out next steps with me.I cannot recommend them highly enough.
Jeremy and the team at mortgage hq were extremely helpful when looking to refinance our mortgage for a planned renovation. They helped with providing sound advice on understanding our financial position and ability to service as well as the best way to structure our loan. I would recommend them to anyone looking for help with bank lending.
I don’t have experience with other mortgage advisors however can’t say enough good things about Zhiyang and Ray from MHQ. I initially contacted MHQ when we were looking to purchase an investment property, and I wondered what options were out there that might work better for us than our current bank. We didn’t proceed at that time because I felt the timing was too tight, however MHQ followed up with me a number of months later and prompted a review of our situation.Zhiyang and Ray took the time to address any queries or concerns we had, and patiently explained things more than once if we didn’t quite ‘get it’.Ultimately MHQ did all the hard work and we ended up switching banks to better support our long-term goal. They negotiated better rates, better terms, and made the whole process really easy and seamless.Everything right from initial contact was super easy, I would highly recommend.
I would highly recommend MortgageHQ and especially David Chamberlain and his colleague Yang. We did not have the easiest application which was further complicated by my partner's residency visa/status along with other properties and LVR's in the mix. A highly approachable team with a pragmatic approach to our problem which led to a really successful outcome. I would have no hesitation to recommend in recommending David and his team.
Such a fantastic service. We have recently had support in applying a new rate to our mortgage - mortgagehq initiated contact and let us know our term was almost up & did all of the work from here, with clear and effective communication. This was the most simple re-fix possible! Thanks Franke.
Replied to an email and in no time at all, my mortgage was refixed and potential savings not to mention years OFF my mortgage repayment schedule were finalised and organised. Alejandro was easy to communicate with and very efficient.I am usually a bit hesitant about this sort of thing, but if I hadn't responded I would not be reaping the benefits. Thank you mortgagehq for the awesome service.
It was the best decision moving to Mortgage HQ. The whole process has been very smooth, we had great experiences with the whole team from Jared to Zhiyang to Yang. Zhiyang was very knowledgeable and gave us great advice and was very motivating. We ended up sorting our mortgage refinance and getting sorted for a new property promptly through his advise. Communication is superb! We definitely recommend Zhiyang and the rest of the team!
Jack was an amazing advisor when purchasing our first home. His help and guidance when navigating the home loan process was hugely appreciated, especially since it's already a confusing and at times stressful ordeal. He was always easy to get in touch with, was great at making sure we understood everything, and always had our back.We'd definitely recommend Jack and the MortgageHQ team to all friends and family. Thank you again!
This is for Jack and Frankie, you guys are legends.I cant thank you guys enough, both are extremely good at their job, very professional, awesomely responsive.They got my approval for my home loan faster than I could believe.Before them I was dealing straight with the bank, it wasn't a happy process so I looked for alternatives. I was referred to MHQ by my friend who also got approval from MHQ.So I contacted these guys and they've done wonders. I recommend MHQ 100% and I recommend Jack and Frankie 1000%. I think they deserve pay rise and promotion. God bless you guys.
Dylan was great at helping me with my mortgage application. This was my first home and I had no knowledge of the process but he was great at explaining everything and guiding me through the process. Working with Dylan made the process stress free - I highly recommend the team at MortgageHQ!
Thank you Dylan! You made shifting our mortgage to a bank so seamless! We really appreciate your care and support in guiding us through so the many unknowns in doing so. The process took 3 weeks from start to finish, due to fast communication, follow up and advice. I highly recommend Dylan as your as a go to person for your mortgage needs. Just magic!
I just want to take a moment to thank Jeremy and his team for all their help during my first home hunt process. Jeremy’s wealth of knowledge on the finance stuff is stunning. I always enjoyed and learned on our discussions. He shown lots of patience under many circumstances. The whole process of organizing finance for me, he made it look easy though it is much more complicated. Though I was bugging him with multiple emails for different properties, he was responded to every single email on time, never missed one. I look forward to working with him in the future. Thanks Jeremy for all your help.
Blandon's team is amazing ! Zhiyang and Ray had helped me to get my lending approved when I was stuck with my first broker who said it was impossible. And later Frankie helped me to restructure my loan with a better rate. The entire process was smooth and fast. Thank you so much guys !
I have had the easiest time renewing our mortgage. I am very impressed with Zhiyang & Frankie, they made the process so simple and were there to answer any questions and provided confident advice.They found us a great rate, far better deal then I ever would've.They put our money to much better use.Thank you so much guys you were amazing, far less stress with a great outcome
Zhiyang has been great to work with. Knowledgable and works around the time availability of his clients. He offers genuine advice that can help people like me achieve their goals in the house market, both residential and investments. Highly recommended +++
Found a property at possibly the most difficult time of the year, between Christmas and New Years. Jack and the MortgageHQ team answered my queries and questions on New Years Eve and Jack was in contact and processing my application over New Years on the 1-3rd Jan while everyone else was on holiday. Jack provided great service through the preapproval process, as well as great advice, promptly processed applications and kept me up to date at each stage. It felt as though he was on the same team, I could trust him with my best interests, and I wasn't just another call to make or applic. to process. Wouldn't hesitate to go through MortgageHQ and specifically Jack again when we decide to find the next property. Thank you for all your help and support, will most definitely be in touch in future. Cheers
We would like to thank Dylan for helping for us while getting our first mortgage. Dylan went above and beyond for us, during a very busy time of year. He was always willing to talk things through and made the whole process far less stressful! Highly recommend Dylan as a mortgage adviser!
The team made it simple and easy during the long and tedious journey of purchasing a home. Daniel was always very responsive and clear in his communication which was a huge help. Having them do the heavy lifting with the bank made the process much more enjoyable. Without question, I would recommend Mortgage HQ.
Zhiyang and Yang were excellent in sorting out our new mortgage. Zhiyang in particular was on the ball and super proactive, always flexible with my work commitments getting in the way of appointments too. Very happy with their service, and looking forward to taking an even more proactive approach to our finances. Would recommend them to you, as I have to our friends who are in the market.
Daniel was a fantastic broker who made the process simple. He was always available to chat and helped us get our mortgage through quickly over the busy Christmas period. He gave us great advice. Mortgage HQ is a holistic service that also offers financial advice and webinars on how to build your property portfolio. Great for first home buyers trying to get on the ladder.
My experience with mortgagehq, Alejandro made things easy and less stressful.When I didn't understand parts of the process Alejandro made things easy, understandable and didn't give up on us. Always keeping us updated throughout each step and never was he impatient. Thank you so much for all your hard work Alejandro. Look forward till next time 👍😊.
We had Jack as our broker. In the crazy Covid time’s, he walked us through our first mortgage, and gotten Pre approval from the bank in 4x days and had everything sorted for us to ensure we were prepared for the auction, which we won & had all settled in time. Would highly recommend!
Hi,mortgagehq guided and were a big help with the purchase of our first home. Dave and Fraser particularly were great, responsive and very professional. I do recommend these guys for anyone looking for a broker.If I do make another purchase, I will be using their services again.Thank you very much!
Great and prompt service, very informative and pleasant to work with. We worked with Zihang and Blandon. Thank you guys for your wonderful advice along the way. We couldn't have done it without your expertise and tremendous support to the end.We do highly recommend your service.Zhiyang you are the best! Thank you!!
David made the whole refi process easy and provided great assistance to our complex situation. David was friendly and my partner and I greatly appreciated the high level of communication throughout from both him and Shanel. I will be recommending David and team and will definitely use mortgage hq again in the future.
Probably the best and most realistic financial advice we've ever been given. We've also been given a lot of support and strategies that were tailored to our situation. We've already recommended Blandon several times to others because he has shown us opportunities that we didn't know existed. Thank you
We would like to sincerely say a massive thank you to Dylan and the Mortgage HQ team. We worked with Dylan in the last couple months and he was tremendous from the start. Being a first home buyer, there are a lot of unknowns. Dylan made sure to explain and guide us throughout the process and we definitely could not have gotten this far without his help. He was always quick with replying any questions we had. I strongly recommend Dylan and Mortgage HQ. Looking forward to continually work with them!
Dylan is patient, attentive and knowledgeable. I dealt with a few local brokers who were too busy to give the time and expertise that Dylan provided. The experience made me truly understand and appreciate the work of a good broker! When I didn't understand parts of the process being a first home buyer, Dylan stepped in and made everything super easy, understandable and smooth. He was in full communication throughout each step and never grew impatient with my ongoing queries and search to find the perfect home. Thank you so much for all your hard work and understanding. You really made everything a breeze!
Right from the first contact, Zhiyang our mortgage advisor has been amazing, working through all our questions at our pace and making sure we understood what we going into. What we appreciated was the honesty and the options they provided to make things easier for us. But the biggest highlight for us is knowing that we have a better understanding of how to structure our mortgage, how to save better and how we can possibly pay our mortgage off faster, if we stick to the plan.This is something that our last 2 mortgage brokers did not do for us!
A good thing that came out of this pandemic is that we found MortgageHQ's Daniel, Andy and Shanel. They worked on our behalf to refinance our mortgage making use of the low interest rates. Everything ran smoothly via digital means and through online meetings - they have been flexible with adopting to the new normal of doing business. They are very responsive and took out all the stress that everyone experiences from shifting banks. Plus they have online calculators that make it so easy (even a kid) will understand. Kodus to the team for the amazing work. Christmas definitely came early this year.
Thank you Zhiyang and the MortgageHQ team for your help and support. We really appreciate all the information and the knowledge you have shared with us. What you guys do is a great service; educating and simplifying things for people like us. We are now more confident and well-equipped to better manage our finances. Joyce and Ged c",)
David was really good working with us, as we were new to this adventure and he was patient and understanding of all our questions and spent time explaining to us our financial position, what opportunities were available and how best to go about our journey. Especially since my husband and I, both had different appetites for risk :).
I would like to thank David and his team from mortgagehq for their service and professionalism helping us with our mortgage pre approval. Thank you David for your patience and understanding while it took us a few months to find the perfect property. Thank you for answering all our questions quickly and sufficiently and thanks for your advice. We really appreciate your support and will surely recommend you to all our friends and family. It has been a great pleasure working with you and the team all the way from Wellington. Happy with our new purchase.
We had a great experience working with David Chamberlain from Mortgagehq! He demystified a process that we had no experience with, helping us secure our first home. The process was smooth, stress free, and we got a great rate. We really appreciate all his help and will definitely be using again for future purchases!
Getting our first home this year came in an absolute surprise for us. We are so blessed to have worked with MortgageHQ; a very efficient and friendly team. Special thanks to Zhiyang who really made things worked for us and helped us through what was quite a bit stressful time. You are a legend! Very professional, respectful at all times and kept in regular contact with us for any updates. Zhiyang guided us every step of the way and was very informative. We’ve also worked with Fraser who was so helpful in assisting us, he was very prompt with updates and answering our queries. Our overall experience was excellent. We are just immensely grateful for all your help, guys. Would highly recommend your team!
We used mortgagehq to help us get a mortgage for our first house. Our broker was excellent and talked us through the entire process and explained the best options for us. He was always available to talk even outside of normal work hours. Buying a house for the first time can be quite stressful so having someone there to help us through the process really made things so much easier. I would definitely recommend using mortgagehq.
I had a great experience with Mortgage HQ refinancing our existing mortgage to a new bank at a better rate. Daniel Lipman was really supportive and understood what our goals were in structuring new finance in with the deal. Daniel also recommended trusted conveyancing people which was a great help. But wait there's more! not only did I get a good deal including cashback, pressie card, MortgageHQ also offered a free dinner as a cherry on the top! my wife couldn't be happier to drag me out on a date night. So happy having chosen MortgageHQ and recommend them highly.
David and Dylan's team at mortgagehq helped us refinance our mortgage. They not only provided us with great advice and options but also laid down a roadmap towards our property investment goal. They are very easy to deal with and always picks up the phone and answer emails. They have kept us up to date the entire process. We've already recommended them to our friends and family. You won't go wrong with this tandem. 🙂
The team at mortgagehq communicates well and are really responsive. Shanel was always available to take my calls and helped expedite the process with the bank. Blandon is very knowledgeable, communicates well and was very patient with me. I particularly liked the video series and webinars he's put together, it opened me up to a whole new world. I'm now thinking harder about becoming financially free rather than being a slave to my mortgage.
I recently engaged with Mortgage HQ (Jack D) when refinancing and changing banks, i would highly recommend their services. Jack was professional, responsive and very easy to work with to find the right mortgage and payments options for us. The work Jack did for us was excellent in short. Our bank transition was seamless. If you're wanting to get ahead with your mortgage repayments, chnage banks or restructure your mortgage to do some renovations like we did, then speak to these guys, they know what they're doing! 5-stars.
Worked with David for about 12 months on various properties until we found our dream home. The team were fast & responsive, worked constructively with the bank to get a great deal and work through some application complexities and overall a very human approach. No silly questions on our part - we were guided every step of the way. Highly recommended and just made the process much easier. Thanks!
I have been working with MortgageHQ since 2018. They helped with the purchase of an investment property and organised the mortgages for it and my family home. I have always found them to be professional, patient and extremely helpful. I will continue to use Mortgage HQ for any future financial endeavours I undertake. I highly recommend them.
We have just bought our first property with mortgagehq.Without the help of Dylan our advisor, there is no way we would be where we are now. He called us, advising on changes in LVR ratios (something we weren't aware of) and helped us to get our foot in the door. He was on hand throughout the entire process, demonstrating incredible patience with the number of questions first home buyers can field. He also managed to secure finance with a quick turnaround and fantastic mortgage rates we wouldn't have been able to lock down with him.I would definitely recommend the service that MHQ provides!
Mr. Zhiyang Cheng from mortgagehq has not only helped me and my husband purchase a great property in an in-demand location, but also made sure we have a great mortgage structure. He is a hard and smart worker who has nothing but genuine passion in his clients’ success. Great inputs from Blandon as well. We are truly happy with their service. We highly recommend Mortgagehq.
All I can say is wow! These guys are amazing. Both Daniel and Blandon!!!! I was first in contact with Blandon Leung in 2018 when they were called irefi. I was looking at refinancing my mortgage at that stage. He was very knowledgeable, very helpful and very patient. I really appreciated the care he showed and made me feel valued. That's why in 2019//2020 when my partner and I were deciding to sell and buy I contacted Blandon again and he told me they were called mortgagehq….nice ring to it. And as expected he was very forthcoming and helpful again. And this is when we were put in contact with Blandon's colleagues Daniel Lipman and Shanel Singh. Daniel was fabulous. He guided us through the whole process. Also very knowledgeable, friendly, very prompt with communication and very patient with my million emails/texts. Again made us feel valued!! End result is we sold our house and bought a new house with an excellent mortgage deal. Shanel was also excellent in her approach. I whole heartedly recommend mortgagehq. I would use them again if I needed and I have also recommended my friends and family!!! Thanks so much team! You are the best!
Thanks Will for letting us know that our interest rate term was about to expire and liaising with our Bank to get us the best interest rate. We really appreciate your prompt, professional service and all arranged via email.Louise and Terry O'Connor
Thanks you guys. I know I am not the easiest client but you guys were great. All the problems I had was solved as soon as possible. I am a first time home buyer and your guidance throughout the process was much appreciated. Well done. I definitely recommend you as the best brokers out there.
I have worked with iRefi since purchasing my first home. Just worked with Dan to refinance my mortgage. With the banks limiting their work during the Covid19 lockdowns, Dan was very informative, responsive and manged to get me a great rate. Highly recommended.
I think this is not the main goal to help me. I was thinking later when I'm ready to borrow to buy another property. I thought I would try. Its all good. I can do re fixing myself. My nephew pushed me to do it. and its all good. His name is John Paul Tomas, Brandon's (? his broker) client. I hope he will get his reward. Ha ha ha. we've done it. Thanks guys. you are friendly.
We used them a few times over several years, whenever our mortgages come up.They provide excellent advice and service! I can all but guarantee you'll save tens of thousands on your mortgages (personal and/or investment) if you use them. I consider myself fairly clued up, but they knew very, very valuable techniques I didn't!
Jeremy and Brandon's team at iRefi makes everything quick and easy. Our mortgage renewal/rollover is just one email away. They quickly respond to our queries/email for assistance. Everything's a breeze. We highly recommend them for anything you need with your mortgages.
We have just completed our dealings with iRefi. We mostly dealt with Ray who was really helpful throughout the whole process and was able to help us achieve our goals.All of our contact with iRefi was met with knowledgeable helpful consultants. I highly recommend this service.
We have just completed our dealings with iRefi. We mostly dealt with Ray who was really helpful throughout the whole process and was able to help us achieve our goals. All of our contact with iRefi was met with knowledgeable helpful consultants. I highly recommend this service.
Jeremy and the team at iRefi makes everything quick and easy. Our mortgage renewal/rollover is just one email away. They quickly respond to our queries/email for assistance. Everything's a breeze. We highly recommend them for anything you need with your mortgages.
I've tried to be my own mortgage broker in the past and have always found that IRefi have gotten me a lower interest rate than what I could negotiate on my own. Have used them for 2 years running now when refixing rates. Solid advice that takes into account your individual needs and preferences coupled with excellent and prompt service. Dylan Brooks is an absolute pleasure to work with.
Nitin from iRefi helped my husband and I to get our family home. We are so impressed with how hard he worked in finding us the best rate and just making sure things were working smoothly with clear communications throughout this journey. I and my husband would highly recommend his services to any prospective home buyer.
Nitin has been an absolute star - made our very first mortgage process very easy. He made sure we understood the entire process and got us a great deal in our mortgage. I would be more than happy to work with and recommend Nitin and the IRefi team - they have all been brilliant! Looking forward to working with Nitin and the team in the future.
I've been with iRefi for a couple of years now and I've always got a great service. I like not to worry to go and shop around for the best mortgage rate. They do it all for me. Then they present me the alternative, we discuss and when ready they just do all the admin. Thank you for your work, I really appreciate it.
I have to admit to being fairly skeptical of mortgage brokers before using your service, but after going through the process I'm very sure we couldnt have received a better deal without David’s advice and expertise along the way, the lightning fast responses (emails, text, phone etc) was also very much appreciated
IRefi are the people to deal with if you know nothing about finance (like me) but have a feeling you should have your money working harder for you! Dylan was fantastic (and very, very patient) answering all of my questions until I understood how it all worked. We are refinanced with a brilliant rate, have cash back and an investment property! Living at the other end of the country didn’t matter in the slightest, which was handy as the local mortgage broker we contacted didn’t even call back! IRefi are next level experts and now we know that we will continue to work with them.
Jeremy Grey from iRefi has been absolutely outstanding, providing a fantastic service during a protracted and complicated mortgage solution. His calm, confident approach was invaluable and was easily contactable throughout the whole process. I highly recommend iRefi and would definitely engage them again should the need arise.
I worked with Jeremy from Irefl twice and I would recommend to all my friends to use Irefl.They are amazing and skilled and goes extra miles in supporting you in all phases of your loan refinance with thoroughly explaining and restructuring loan to suit your long term goal.
We engaged with iRefi's service in April this year. iRefi is very knowledgeable with different banks' position and knowing how to find the best deal for us. iRefi made sure we got the best terms and conditions not just cashback and interest rates. Would recommend their service if you are looking for a broker.
After failing to find a sensible and helpful mortgage broker in my city, I decided to take on the task of break/refix my mortgage on my own and started doing some reading and research online. It's then that I came across one of the iRefi's informational videos online and found it very helpful and informative. Filled up an online contact form and before long I received a call from iRefi team for assistance.I have been dealing with Madhav and Jack and it's worth mentioning that both of them were extremely knowledgeable, helpful and quick to respond to any of my queries.I'd happily recommend iRefi to anyone who is trying to secure a mortgage, break and refinance or just a quick fix.