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Home loans you can
understand & trust

My Mortgage specialises in getting you the best Home Loan

If you're looking to purchase a new home or would like to know what options you have for your next move, then we, as mortgage advisors can help make the process a lot easier for you.

We strive to provide the best Options, Service and Advice on home loans without using overly technical jargon or trying to cloud your judgment with gimmicks like a lot of the banks do... have a read of some of our blogs below to see what we mean.

We're here to work for you - & to have fun and enjoy doing it!

About the My Mortgage team

Want to get started with an application?

If you have a property you are wanting to purchase or want to get a pre approval so that you know what you can buy for, you can apply online and one of our advisers will be in touch and we'll get started on an application.

First Home Buyer Mortgages

Buying your first home can be a really exciting experience & one that is very enjoyable. The My Mortgage team love working with first-home buyers to help them get on the property ladder. Whether you are buying by yourself, with your partner or with others in your family to get your first property, the My Mortgage advisors will walk you through the process to make sure you know and understand what you need to but without swamping you with the details. We take care of all that. Using your KiwiSaver? Great. Are you eligible for the First Home Loan? We can help with that too. 

Sell & Buy with Ease

Whether you are upsizing, moving for work, downsizing, or just wanting a change, My Mortgage can walk you through the selling and buying process. Just carrying on with the same bank you're with currently might work but also might not be best for your situation. My Mortgage works with you to understand your current situation and what you want to achieve to make sure you can do what you want to do and get the property you want. 

Pay your mortgage off faster

Taking on a mortgage can be a big deal as you are responsible for a large amount of debt, so ideally you want to pay that home loan off as quickly as possible. The My Mortgage team can work with you to restructure and budget to help you pay your mortgage off as quickly as possible, without needing to eat noodles every night (although you can if you want!). If you need advice on paying off lump sums, using revolving credits and offset loans, or increasing your regular payments, we can give that advice and help you put whatever is needed in your mortgage to achieve that. 

Investment Properties

Property has been, and will continue to be a great investment in New Zealand over the long term. The My Mortgage team are property investors, so they know the ins and outs of borrowing money to fund your first, second or 10th investment property. My Mortgage works with you to ensure the structure of your loans works towards what you are trying to achieve and know how the banks best like to see things managed. 

Building or Renovating

The difference between small minor home improvements and building a brand new, dream home are substantial so they shouldn't be treated the same. If you need to borrow funds to do an extension or finish off some landscaping, we can help you with that. If it's to move that transportable for your home away from home, we can support you there. If it's to build your dream home for you and your loved ones to grow together in, we love doing that too. Whatever the reasons, and however big or small, My Mortgage wants to help get you the best renovation & construction mortgage for your situation. Contact one of our mortgage advisors today. 

Latest News

CASE STUDY: Buying With A Sibling

Buying a home with a sibling can be a smart way to get on the property ladder—especially when you’ve both worked hard to build up savings and KiwiSaver. That’s exactly what we helped these two Read more

CASE STUDY: Using Property Equity For Business

Sometimes your home can do more than just give you a place to live—it can help you take the next big step in your career or business too. This client came to us looking to review their lending withRead more

Low equity margins

When you're buying your first home or entering the market with a smaller deposit, you might come across the terms Low Equity Premium (LEP) or Low Equity Margin (LEM). These are extra costs that banksRead more

CASE STUDY: Moving On With Confidence

A relationship separation brings a lot of emotional and financial change—and for many, one of the biggest questions is what to do about the property. For this client, it was about finding a clearRead more

New Vs. existing bank customers

We often get asked: "Is my current bank still the right choice for me?" It's a great question—and one worth exploring, especially when you're thinking about refinancing or re-fixing your loan.Read more

CASE STUDY: An Investment and A Renovation

One of the smartest moves in property ownership is knowing how to make your equity work for you—especially after buying a new home. That’s exactly what this client did when they came to us ready Read more

CASE STUDY: When You Can't Access Kainga Ora

Sometimes, getting the right lending approval isn’t about waiting for the perfect time—it’s about moving forward when everything aligns just enough. This client came to us looking to buy theirRead more

CASE STUDY: Kainga Ora Working Its Magic

Getting into your first home with less than a 20% deposit can feel tricky—but with the right lender and product, it can also be totally achievable. Our client came to us looking to purchase theirRead more

CASE STUDY: One Has Used KiwiSaver and The Other Hasn't

Buying a home is exciting—especially when it marks the first home for one partner and a fresh start for the other. But when there’s also a property on the market, a flexible lending approachRead more

Discharging a mortgage

We often work with clients who have multiple properties or who are restructuring their portfolios. One tool that can be incredibly useful in these situations is something called a discharge ofRead more

How much does a mortgage adviser cost

One of the most common questions we’re asked is, “How much do you charge?” The great news is that working with us won’t cost you a cent. That’s because we’re paid by the bank once a loan Read more

Is it a good time to sell?

We’re often asked whether it’s the right time to sell a property. The answer isn’t always straightforward—but it usually comes down to one key factor: your next move.Read more

What do our clients say?

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Book a time with an expert

For My Mortgage, home loans are all about people and stories, not numbers and dollars. By booking a time to speak with one of our expert team, we can give you free advice, guidance & what we think will be right for you as well as explain our mortgage repayment calculators. We can connect in person, via phone, online or email. 

Whatever works best for you. 

 

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