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.


Kiwis have trusted iRefi to review their mortgages.


Average savings for clients
each year.


Five-star ratings on facebook

What Our Clients Are Saying

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.