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 brokers can help make the process a lot easier for you.

We strive to provide the best Options, Advice, Service and Price on home loans without using overly technical jargon or trying to cloud your judgement 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!

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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 brokers 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 brokers today. 

Latest News

Top tips on making offers

Arguably one of the most exciting parts of the "purchasing a home" process is making your first offer on a property!  I've heard plenty of stories (especially in the last few years in a busy market)Read more

A Guide to Back My Build

The team at My Mortgage are receiving heaps of questions around the recently announced Back My Build variable rate that ASB and AIA/Sovereign are offering. We have already arranged Back My Build homeRead more

Why can't I buy a more expensive property if I have a large deposit?

It’s very common for a client to come to us and talk about their deposit. In the past banks were more lenient and may have lent money solely based on the size of the deposit. These days, banks areRead more

Low Equity Margins & Low Equity Premiums - What are they?

You’ve probably heard the terms Low Equity Margin or Low Equity Premium thrown around lately, so what exactly are they? What are Low Equity Margins & Premiums? Low Equity Margins and PremiumsRead more

Buying a house from family at below market value - How to make that work.

With the way house prices are going, a lot of parents, grandparents and "adoptive family" are looking at ways to help people out to get on the property ladder. One of the ays we are seeing thisRead more

Refinancing your home loan in 2021

With interest rates once again at historic lows, and a busy 12 months in the property space, we're getting a lot of enquiries from existing and new clients who are considering a refinance of their hoRead more

Meeting finance when there are still outstanding conditions

Meeting your finance clause is one of the most exciting parts of the process in buying your next home. Not only do you have the money ready to go, but you're more often than not also meeting your othRead more

Using Second Tier Lenders to get to where you want to go

At My Mortgage the large majority of the clients we work with we are looking at the main banks as the best option for them. At the main banks you can get the best interest rates usually and utiliseRead more

Why would I have to lower my credit card limit or pay off interest free lending?

When we do new applications, we get asked all the time “why does the bank care about my credit card limit if I don’t have a balance on it?” or “why do they care about short-term interest freeRead more

Buying with others - Being Jointly & Severally liable for the lending

With the cost of houses increasing as they are currently, it can feel a little overwhelming for people to buy on their own. Teaming up with someone else is a great option to increase deposit and incoRead more

Financial Life Cycle

This graph talks about your financial position over time. Most of us start out with a high mortgage, and a mortgage that equates to a high percentage of the value of the property. Over time, the vRead more

Valuations - What's The Deal?

There are so many different types of valuations, but the one we deal with the most in our line of work are Registered Valuations, or quite commonly referred to as an RV.  What is an RV?  This isRead 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.