Welcome to iRefi

Lower Rates, Better Advice

Want to know your mortgage and property investment options?

Use the automatic Mortgage Snapshot like more than 21,000 other Kiwis have to discover your available equity, break and refix or refinance options, and borrowing power. We work with all banks in NZ and have options with many non-bank lenders.

If you are looking to buy your first property, restructure or add to your portfolio, or you are just curious, the mortgage snapshot takes 60-90 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

Cast your mind back to 2015, same-sex marriage was getting legalised in America, Tesla unveiled it’s power wall batteries, Apple launched the Apple watch, the All Blacks were busy destroying Australia to become the first nation ever to retain the Rugby World Cup. Andrew and Blandon were drinking coffee in an Auckland cafe…

Discussing the common problems in the property market:

  • banks do not always offer their best interest rates right off the bat.
  • if you can’t get approved at your bank, many people think they can’t get approved at any bank.
  • mortgage applications are horrible time-consuming forms

If you miss out on good interest rates and cash back – loyal bank clients are getting punished and end up missing out on savings that can be worth thousands of dollars just from interest – let alone the lost opportunities that more cash could make available. They knew they had to do something about it. This is how the Mortgage Snapshot started.

When Martin Luther translated the bible from Latin to German, millions of people had their eyes opened and realised that priests had been hiding the truth and using it to hoard vast amounts of wealth for themselves. After launching the online Mortgage Snapshot. New Zealand’s response was simultaneously fast and massive. Within 12 months over 5,000 kiwi families had logged in and learned how much cash they could save and how to shave thousands of dollars off their mortgage.

Would you like to know how much you could save? Take the snapshot and join the 10s of thousands of other Kiwis.

So what are you waiting for?

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