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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 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 First Home Loan & Grant? 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 not be best for your situation. My Mortgage work 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, 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. The My Mortgage team are property investors themselves 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 make sure the structure of your loans work 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 and so they shouldn't be treated the same. If you are needing to borrow some money to do that extension or finish off that 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

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Navigating the End of Your Fixed-Rate Mortgage: A Comprehensive Guide

Reaching the end of a fixed-rate term on your home loan can be a crucial time for homeowners. Here's a guide on what to do as your fixed rate comes to an end and how soon you can start looking at newRead more

Why invest in property?

We're back for Season 2! In this episode of the My Mortgage Podcast, Claire and Greg talk about the power of leveraging investments, and why you should invest in property. We're talking about; HowRead more

Buying Property in New Zealand as a Citizen who is based overseas

New Zealand citizens living abroad and looking to buy property in their home country face a unique set of challenges. Below we highlight key considerations for overseas buyers planning their returnRead more

Bridging Finance in New Zealand: Is it possible and what else could you do?

Bridging finance can be a lifeline for homeowners looking to buy a new property before their existing one is sold. However, as Greg from My Mortgage explains, securing this type of loan isn't asRead more

Strategies for Refixing Your Home Loan

When it comes to managing your mortgage, deciding how and when to refix your home loan is crucial. Here, we offer essential advice for homeowners approaching the end of their fixed-rate term, helpingRead more

Understanding the Ins and Outs of Home Loan Refinancing

Refinancing your home loan can be a strategic financial move, but it’s not without complexity. Let's break down what refinancing involves and what to consider before making the switch from one lendRead more

Navigating Home Loans for the Self-Employed

Navigating the maze of home lending as a self-employed individual can seem daunting. Unlike traditional salaried employees, those who own their own business or work as contractors face uniqueRead more

New Rules: Interest Deductibility - What is it and what are the new rules?

What exactly is interest deductibility? In this quick blog we’re looking at what interest deductibility is and what do these new rules mean?... When you think about investment property, you’d expRead more

Should I pay money off my mortgage or should I add value to my property?

I recently had a client ask whether she should pay a lump sum off her loan, as her fixed term was about to expire, or use the funds she'd saved to put a new bathroom in her property. The answerRead more

What's up with DTI's?

In the maze of financial jargon out there, one term that has been buzzing around lately is DTIs, or Debt to Income Ratios. From economic pundits to lending institutions, everyone seems to be talkingRead more

Up-to-Date Financials for Business Owners buying residential property

A crucial aspect of residential home lending for business owners is the significance of keeping your business financials up to date. In recent years, banks have become increasingly stringent aboutRead more

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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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