Welcome to iRefi
Kiwis have trusted iRefi to review their mortgages.
Average savings for clients
Five-star ratings on facebook
Our proud partners
A huge variety of banks and non-bank lenders choose to and love working with us, these relationships ensure you get matched with the ideal mortgage and loan products for your property goals.
First Mortgage Trust
Resimac Home Loans
Merchant Banking Group
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 iRefiDarin McMurchy02/12/19
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 D09/11/19
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 Louis09/10/19
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 Patel09/10/19
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 Sud09/10/19
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 vlogzz09/10/19
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 Jennings24/09/19
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 Sud23/09/19
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.