Welcome to iRefi

Lower Rates, Better Advice

Want to know your mortgage and property investment options?

Use the automatic Mortgage Snapshot like 21,000 other Kiwis have to discover your borrowing power, available equity, refix plus break and refinance options. 

We work with all banks in NZ and have options with non-bank lenders. If you are looking to buy your first property, restructure or add to your portfolio, the mortgage snapshot takes 90 seconds and will be a great indicator to start with.

21,000+

Kiwis have trusted iRefi to review their mortgages.

$3,700

Average savings for clients
each year.

100+

Five-star ratings on facebook

What Our Clients Are Saying

  • Dylan has helped immensely and is always willing to talk things over, explaining different options to find the best fit, no hesitation whatsoever in recommending iRefi

    Darin McMurchy Avatar
    Darin McMurchy
    02/12/19

    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.

    JWD D Avatar
    JWD D
    09/11/19

    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.

    Divine Grace Banzon Avatar
    Divine Grace Banzon
    09/11/19
  • 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.

    Bindhu Louis Avatar
    Bindhu Louis
    09/10/19

    Jack was quick to action things and provided the required information to make it easy to re-fixing our mortgage again. He made it easy for me and kept me informed via text message along the way!

    Biren Patel Avatar
    Biren Patel
    09/10/19

    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.

    Akshay Sud Avatar
    Akshay Sud
    09/10/19
  • We had a wonderful experience with iRefi Mortgages. They were able to help us where banks and other refinancing places couldn't. Highly recommended.

    Jacobs vlogzz Avatar
    Jacobs vlogzz
    09/10/19

    David Chamberlain and the team were all extremely helpful, answering all of my questions patiently and simply made the process so easy - I'm not sure how I could have got a mortgage without them!

    Milly Jennings Avatar
    Milly Jennings
    24/09/19

    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.

    Akshay Sud Avatar
    Akshay Sud
    23/09/19

Get mortgage free faster

To grow your wealth and leave a lasting legacy

NEW ZEALAND’S LOWEST RATES 9 times out of 10 we get the best rates, otherwise we’ll at least be able to match your offer. We get the best rates due to volume and relationships.Learn More

INTERACTIVE TOOLS & CALCULATORS Find out how much you can borrow, how much you could be saving, and what your properties are worth.Learn More

FREE EXPERT ADVICE Access New Zealand’s top performing Registered Financial Advisers for free. They are earning a salary, and are laser focused on your results.Learn More

ONLINE EDUCATION Over 30 articles covering mortgages, property investment, and home buying, free for you.Learn More

NZ’s industry leading mortgage application process

Get answers in less than 15-minutes

At iRefi we’re serious about making it easy to for you get the right mortgage, first time. Our online mortgage application is accepted by all the main banks in New Zealand. You’ll also be rewarded for your efforts, with free electronic valuations on your properties, and access to an instant review of your financial situation.

How do you know you’re getting the best deal?

Get the lowest rates on your mortgage

Getting you the best rates is our number one priority. Banks offer our clients lower rates than they advertise because of the volume of business we send, and the quality of our applications. Have a staff discount or existing offer? We’ll tell you up-front if we can beat it. 9 times out of 10 we can.

Learn More About Our Services

Mortgage Advice

Tips and tricks advisers usually hold close to their chest, that’ll save you money.

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First Home Buyers

Fill in the gaps in your knowledge so you can navigate the home buying process with ease.

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Property Investment

Learn how to grow your wealth, earn passive income, and leave a lasting legacy.

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So what are you waiting for?

Take the snapshot to start renovating your mortgage with expert advisers at iRefi.