Andrew Malcolm

Managing Director

Thanks for taking the time to read through our website and get to know us. I started iRefi when I observed others and became frustrated with the quality of information available for kiwis in regards to mortgages and property. Initially, we focused on building online tools to put power in the hands of everyday Kiwis. However, we quickly discovered that in addition to being able to help themselves people needed experts to guide them through the process. Hence iRefi in its current state was born.

I wanted to help build a team of advisers that put clients first, so refused to play the industry game of commission-only salespeople. I initiated a structure of client first, team second, this means none of our advisors are paid by commission only. No one is pressured internally or by management to force clients into higher commission products. We do not even refer a KiwiSaver provider for an extra clip of the ticket like many brokers do (we recommend the not-for-profit and low fee provider Simplicity). All are paid salaries and we’re proud to be one of the very ferm firms in our industry to do this.

When hiring advisers for our team, it is stressed to them the importance of our client-helping culture and long term relationships. Our clients tell us that they appreciate us keeping in touch with them. Typically we make contact every 6-12 months to ensure customers are still receiving excellent service from their banks; their mortgages are still working for their current situation, to discuss investment strategy and to have a conversation.

It is with great pride that iRefi now has over 150 five star ratings on Facebook from our customers who are so stoked with what we could achieve for them, and how we dealt with them as humans rather than as a task. We strive to be and believe we are the best mortgage advisors in New Zealand.

One facet of this culture is the value placed on personal responsibility and transparency; all team members use personal mobiles for communicating with clients. If you would like to talk to me, I am available. Please feel free to contact me on my personal mobile 021 424 027 or email me directly

On property investing, and wealth building I strongly believe you need to know what your “why” is. So for you, the reason to accumulate wealth may be “I’d like to give a lot of money back to charity” or “I’d like my family to be well off”. For me, I have one little girl at the moment and one puppy. In the future, I would like to have a big family and I’d like us not have to worry about money. I’ve purchased a nice family home close to work and I am focusing on our business at the moment. In growing the business, I can grow a lot of passive income, and I’m also mindful of the property investing as well. I want to accumulate assets, accumulate cash flow. So I don’t have to be at work all day, every day, especially as my kids grow a bit older, and there are a few more of them. I want to be around. So I know what my “why” is. It’s really strong. I review it daily.

Connect with Andrew on LinkedIn

Testimonials From Clients