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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?

After talking with well over 5,000 people, we found that most people’s passive income goal was around $80,000 per year. So the Mortgage Lifecycle was created as a pathway from your first home through your first investment property and all the way to earning $80,000 of annual portfolio profit from property investments. 

Unfortunately, the Mortgage Lifecycle is not the default path, most Kiwis never leave Stage 1. Instead of building a plan (or following ours) every 3-7 years they upgrade their home maxing out their mortgage again – this is the exact problem we are helping clients solve by introducing them to this concept. 

Each stage in the Mortgage Lifecycle suggests a goal to work towards – which also acts as the ‘gateway’ into the next stage. Meaning that as soon you achieve your goal for Stage 1 you are then ready to work towards achieving your goal for Stage 2. 

Learn About Your Stage

Who is mortgagehq?

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 mortgagehq 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 an ‘Anteambulo’ (which means to clear the pathway), 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 clients are saying...

Vince Fuiono
Vince Fuiono
Both Zhiyang C & Kevin P have been a great team. They've provided awesome support & solutions to this novice. We're really happy & fortunate to be working with them as well as learn from this extremely knowledgeable and smart mortgagehq team & community as we build our portfolio
Wiq Rana
Wiq Rana
Had very good experience with MHQ to refinance and restructure my mortgage. Guys really know what they are doing and super helpful. They offered tailored advice focused on my long term goals. Were really efficient to find refinancing options and assisted in finalizing right loan structure. I am very pleased with the outcome. It has not only alleviated short term mortgage stress but has set me up to achieve long term goals. Thank you MHQ team
Jenna Jacobsen Toeono
Jenna Jacobsen Toeono
Definitely recommend MortgageHQ. My second time using them. For this one we did a mortgage refinance and the whole process was seamless. Done via emails, a couple of phone calls and zoom. Marcia and Yan made the entire process stress-free, and were more than happy to answer my questions. Very approachable and easygoing, pleasant to deal with and knowledgeable in their field. Huge help especially as working parents.
Mark Malaki-Williams
Mark Malaki-Williams
Anna Savage was incredible! I've dealt with other mortgage advisers in my time but Anna was on another level. She was the best, hands down - very easy to deal with, responsive and helped us understand and find the right mortgage structure available at the time. I would definitely recommend her to anyone who is looking for a mortgage adviser. Thanks again Anna 🙂
Phil Gardiner
Phil Gardiner
I recently used MortgageHQ to refinance a property and particularly wanted to give a big shout-out to Simon McDonald for all the help and support he provided in helping me navigate the many forms and bank documents that are now required due to the CCCFA rules. While the advisors often get the credit and accolades for fronting the business, it is the support staff that make the difference between a good and a great customer experience. For his excellent customer service and attention to detail, Simon deserves a big shout out.
Stu Richards
Stu Richards
The team at mortgagehq provided the experience and knowledge that my wife & I were missing, and helped give us options to plan for a goal, instead of a wait & see approach. So far the experience with them has been excellent.
Olivia Lines
Olivia Lines
Zhiyang and the team at Mortgage HQ were very knowledgeable, professional and made the entire process easy. Without a doubt will be recommending to anyone buying or refinancing.
Clinton Farley
Clinton Farley
The team at Mortgage HQ has been exceptional since we connected around six months ago. From the initial exploratory call with Simon, they helped us build a clear foundation for what we wanted to achieve...We highly recommend reaching out to Mortgage HQ if you’re looking to grow your property portfolio.
Val Te Ratana
Val Te Ratana
Huge thanks to the team at Mortgage HQ for their help and guidance in purchasing our first investment property. Great services, tools and knowledge in property. Would highly recommend them. Till next, Thanks MHQ
Francis Pierard
Francis Pierard
Great working with the Mortgage HQ team. Ray in particular has been excellent to deal with and very helpful throughout the entire process of building my property portfolio. Highly recommend.

You’re in great hands

mortgagehq has helped thousands of Kiwis on their journey to financial freedom

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Kiwis have trusted mortgagehq to look after their mortgages.

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Wealth-building-mortgages under management.

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Five-star ratings on Facebook & Google.

As seen in

We are proud to have been featured on a number of important New Zealand real estate, property and news websites. Some articles have written about us, some articles feature Andrew Malcolm’s contributions via interview and other articles were written by us. 

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Learn About Your Stage

Is Wealth More Than Just Good Mortgages?

While many people know what financial outcome they want, they often lack clarity on the steps to get there. Watch to learn more about the LIFE framework

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