mortgagehq
NZ Top Brokerage & Adviser 2025
As selected by NZ Adviser
Rising to the Challenge
The 2025 rankings for the top brokerages in New Zealand have been released by NZ Adviser, highlighting standout performers in the industry. Industry expert Jackson notes that standout firms are those that possess:
- the size of the total loan book;
- average settlements per loan writer;
- total settlements over the last year; and
- the conversion rate to clients
As interest rates climbed and credit conditions constricted throughout 2024, a significant number of borrowers chose to hit pause. Yet New Zealand’s leading mortgage brokerages continued to forge ahead, demonstrating that resilience and client service remain the cornerstones of success in an increasingly volatile market.
We are proud to be named 5th Top Brokerage 2025 by NZ Adviser and celebrating our advisers who also made the list – Zhiyang Cheng, Simon McDonald, Ray Wang, Anna Savage and Yan Huang.
Story Behind NZ Top Brokerage
When Blandon and Andrew began their business partnership, they shared frustrations with the industry’s shortcomings but approached their work differently.
Andrew focused on marketing and strategy for mortgage advisers, often noticing that clients were neglected. Blandon, initially working with insurance, found his passion in property investing, helping families build equity through smart mortgage use.
After branching out independently, Blandon and Andrew met by chance in late 2015 and began collaborating to help people save on mortgages and make smarter property investments. Their own poor experiences with banks and brokers highlighted the need for better client support and information in New Zealand.
They started by developing online mortgage calculators and property investment tools but quickly realised that people also needed expert guidance. Their goal was to create a team of advisers focused on client needs rather than commissions. mortgagehq advisers are salaried to ensure unbiased advice.
In 2020, they shifted their focus to education by launching a YouTube channel and a Podcast, which now boasts over 12,000 subscribers. They also authored the book ‘Three Property Formula’ and developed a range of online courses priced between $7 and $3,997, all aimed at helping clients accelerate their financial goals.
“When hiring advisers at mortgagehq, we emphasise a client-helping culture and long-term relationships. We maintain regular contact with clients every 6-12 months to ensure they receive excellent service and appropriate mortgage advice.”
Today, mortgagehq has a team of over 40 staff in Halfmoon Bay, East Auckland. They take pride in having over 500 five-star reviews on Google, reflecting their commitment to treating clients as individuals, not just numbers. While they don’t promise perfection, they do promise to prioritize their clients’ needs above all else and help them find the right solutions.
The mortgagehq Journey
Founded to provide transparent advice and low rates to kiwis
We recruited a few more friends…
Blandon was our first broker to hit 100mil! Named Top adviser by NZ adviser
As we mature, we realized getting lower interest rate for refinancing was not enough. We needed to offer great advice.
It wasn’t long before it was 3 years! Can you spot the OG’s?
Our very own Brandon and Blandon on top 10! Now that’s confusing!
The same year, we made the whole company go to the property school! Because we want everyone to walk to the talk by investing in properties themselves.
iRefi no longer communicated what we do. We saw offering great mortgage advice was our primary mission. It was time for a rebrand.
Shifting to our new office at the top of marina. The BIGGEST financial commitment we made.
Blandon was once again in the top broker list.
We saw not 1 not 2 not 3 but 4 of our adviser in the top 50 advisers! That was quite the achievement for us as a company because that was… 80% of our advisers 😛!
We launched our own book.
In the same year we launched wealthhq! A focus for first home buyers and introducing other products like Kiwisaver and Insurance.
Our secret weapon emerged – Zhi, the nation’s 4th top broker.
We also took out every top award at our aggregator awards night! What an awesome year.
What a year! Another 4 advisers hitting the top 50 list.
Our vision became clearer and our mission became stronger. As we matured as a company so did our values. Some of our OG team members moved on, and new talent set new standards.
mortgagehq crowned as the top brokerage in New Zealand, a culmination of our relentless pursuit of excellence
At mortgagehq, we are driven by performance, people, and continuous growth. Our team is dedicated to providing exceptional service and creating a supportive environment for our clients and each other.
Top Brokerages Have Top Advisers!
Zhiyang Cheng
In many cultures, money is more than currency. It is energy. For Zhiyang, that energy isn’t just transactional; it is transformational. A tool to build connection, unlock opportunity, and help others live with greater freedom and intention. While people may approach him with questions about mortgages or financial strategy, the conversation often becomes something much bigger — how to retire earlier, build lasting wealth, and make meaningful choices with clarity and confidence.
Zhiyang is a senior adviser in a high-performing mortgage advisory firm, known for delivering guidance that is sharp, honest, and deeply strategic. He works with a diverse client base, from individuals seeking clarity on their next move to seasoned investors managing complex portfolios. Whatever the starting point, his focus remains the same: long-term clarity over short-term gain.
Simon McDonald
With a rich background encompassing successful ventures as a Business Owner, Property Investor, and Military Leader, Simon brings a wealth of experience and a proven track record of delivering exceptional results to his clients.
Simon’s journey as a Financial Advisor at mortgagehq began with a passion for helping individuals and businesses achieve their financial goals. With an extensive understanding of the property market, Simon goes above and beyond to find mortgage products perfectly suited to each client’s financial circumstances. His personalised approach ensures that clients receive tailored advice, empowering them to make informed decisions about their financial future.
Ray Wang
Ray is a financial adviser with over five years of experience in the industry. He’s all about building genuine, trust-based relationships with his clients, recognising that financial planning is about more than just numbers – it’s about people!
With a dedication to clear and accessible communication, Ray ensures that his clients understand every aspect of their financial situation. He has a knack for simplifying complex concepts, empowering clients to make confident, well-informed decisions.
Anna Savage
With over six years of experience in the industry, Anna has a genuine desire to educate and assist clients on their path to financial freedom. Passionate about simplifying the process, Anna makes finance easy to understand with clear, straightforward advice that gets you where you want to be.
Specialising in working with first-home buyers and property investors, Anna brings a wealth of knowledge and expertise to the table. Whether guiding clients through their first property purchase or helping seasoned investors diversify their portfolios, Anna’s dedication to her clients’ financial well-being shines in every interaction.
Yan Huang
With a passion for property investment and a wealth of experience in the mortgage industry since 2021, Yan is dedicated to helping clients achieve their financial goals. As a property investor himself, he understands the importance of finding the right mortgage solution and has personally paid off his mortgage in just 7 years!
Yan is a proud father of two daughters – family values are at the heart of everything he does. When he’s not assisting clients with their mortgage needs, you can find him on the tennis court or enjoying a swim. His love for travel has taken him to various corners of the globe, including Europe, Cameroon, China, and his beautiful home country, New Zealand.
Client Reviews
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
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
Our prior broker moved on and passed us onto Mortgagehq at a critical time during our build. We were nervous about the change! But it's safe to say it was a blessing in disguise. They are very knowledgeable and client focused. Thanks @raywang and @blandonleung for navigating us through the process.
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.
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.
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.
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
Your Mortgage Could Be Working Harder
After working with thousands of Kiwis, we found that most people don’t fully understand their true mortgage and property investment options. That’s why we built the Snapshot Tool — a state-of-the-art mortgage analyser designed to give you clarity on where you stand right now.
Your Snapshot calculates your available equity, borrowing power, break and refix costs, and even refinance options. It shows you what’s possible — whether you want to pay off your mortgage faster, grow your property portfolio, or help your kids into their first home.
Too many Kiwis stay stuck without a plan, upgrading their home every few years and maxing out their mortgage again. The Snapshot helps break that cycle by showing you the bigger picture and giving you a clear pathway forward.
Chat with us!
Contact details:
0800-733-462
[email protected]
1 Ara-Tai Road, Half Moon Bay
