MHQ is a mortgage broker based at Geneva House on Te Kehu Way in Mount Wellington, Auckland, holding a 4.9 rating from 718 Google reviews. Customers name advisers like Jason Lai, Hari and Simon McDonald, with refinancing and investment property work mentioned more often than anything else; enquiries can be made through mhq.co.nz. A good broker does more than find a rate. In New Zealand they are typically paid by the lender rather than the borrower, so most people use one to compare offers across several banks at once — useful when fixed terms roll over and refinancing decisions loom. They also handle pre-approvals, which matter in a market where auctions are unconditional, and can untangle the lending rules around investment properties, which trip up plenty of first-time landlords. Expect a conversation about income, debts and goals before any numbers appear. For Mount Wellington households weighing up a refix or a first rental, MHQ sits close to home.