MHQ

MHQ We’re more than mortgage brokers. Financial Freedom Faster. Award-winning mortgage advisers. Useful tools online.

MHQ is an independent financial coaching firm helping driven, forward-thinking Kiwis build long-term wealth through New Zealand’s favourite asset type: property.

23/06/2026

This video explores the importance of human judgment when using AI tools. The speaker warns against blindly following AI-generated plans, noting that without critical evaluation, businesses risk wasting money and resources on flawed strategies. Ultimately, the quality of the outcome depends on using appropriate prompts combined with sound judgment.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-2/

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954

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Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

What does LVR mean in NZ property lending? LVR stands for Loan-to-Value Ratio, and it’s a key rule banks use to decide h...
22/06/2026

What does LVR mean in NZ property lending? LVR stands for Loan-to-Value Ratio, and it’s a key rule banks use to decide how much they’re willing to lend you.

👉 Learn more: https://mhq.co.nz/mortgage/lvr-nz-what-loan-to-value-ratio-means-for-property-investors-and-mortgages/

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Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

21/06/2026

"Generation Slave," a term intended to cut through the noise and prompt modern New Zealanders to take action. The discussion explores how many individuals put immense effort into building a future without reflecting on what that future actually looks like, often driven by the pressure of "keeping up with the Joneses".

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-2/

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954

⁠

Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

19/06/2026

This video explores the shifting landscape of New Zealand's property market and the evolving "Kiwi Dream." The speaker discusses how the traditional "set and forget" approach to homeownership has been disrupted by major events like the Global Financial Crisis and recent property value downturns.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-2/

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954

⁠

Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

17/06/2026

Discover the "magic numbers" for property yields and cash flow. This video explores why 9% is often considered the ideal target for many investors, while explaining how expectations should shift based on location. Learn why 7% to 8% can be a strong result in major cities and why you should aim for 11% to 12% or higher when investing in smaller towns.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-2/

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954

⁠

Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

Why did the Reserve Bank decide to hold the OCR?The RBNZ has to avoid cutting rates too quickly (which could push inflat...
16/06/2026

Why did the Reserve Bank decide to hold the OCR?

The RBNZ has to avoid cutting rates too quickly (which could push inflation higher) or keeping them too high for too long (which could slow growth further).

Interest rates may not fall as fast as some expected, so mortgage structure and cashflow planning are more important than ever.

👉 Learn more: https://www.youtube.com/

⁠

Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

15/06/2026

Understand the fundamentals of responsible lending and why banks may stop providing loans to investors. This video explains that lending decisions are based on your ability to afford a mortgage, often including safety buffers to ensure financial stability. Learn how purchasing properties with strong cash flow can help demonstrate your ability to service debt and potentially qualify for further lending.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-2/

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954

⁠

Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

As of 27 May 2026, the Official Cash Rate sits at 2.25%, with the Reserve Bank choosing to hold rates steady.The RBNZ al...
14/06/2026

As of 27 May 2026, the Official Cash Rate sits at 2.25%, with the Reserve Bank choosing to hold rates steady.

The RBNZ also signalled that inflation pressures - including rising fuel costs - are still a concern, which could slow future rate cuts.

Waiting for lower rates alone may not be the best strategy anymore.

👉 Learn more: https://www.youtube.com/




Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

13/06/2026

Learn the best strategies for first-time home buyers looking to build long-term wealth in today’s market. This video discusses the benefits of finding undervalued properties where you can add value to create an equity uplift. Discover how choosing properties with additional income potential, such as renting out space to friends or having a secondary unit, can help pay down your mortgage faster and allow you to expand your property portfolio sooner.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-buying-8-5-gross-yield

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954




Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

11/06/2026

Discover the inner workings of the Auckland Council as a local representative shares insights gained from being inside the organisation.

See how everyday investors grew their wealth:
https://mhq.co.nz/20-case-studies-of-mum-and-dad-investors-buying-8-5-gross-yield

🎧 Listen to the full podcast
Youtube: youtube.com/
Spotify: https://open.spotify.com/show/0kG1HB4QpRbMPYaYTrxjs8
Apple: https://podcasts.apple.com/us/podcast/leverage-addicts/id1674078954




Disclaimer: This video is by mhq (trading as mortgagehq, FSP [FSP463846]). It provides general information only and is not personalised financial advice. Opinions in this video are general in nature and are not a recommendation, opinion or guidance to any viewer in relation to acquiring or disposing of a financial product. Viewers should not rely on these opinions and should always seek specific independent financial advice appropriate to their own individual circumstances.

Address

Geneva House, Level 2, 3 Te Kehu Way, Mount Wellington
Auckland
1060

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+64800733462

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