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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

Applying for a mortgage while on a fixed term employment contract - How does that work?

We commonly hear people say that it’s impossible to get a home loan when you’re on a fixed term contract but is that true? Read on to find out more!... Every situation is different when it comesRead more

I’m in a trial period - Can I apply for a home loan?

It’s less common these days to see trial periods in employment contracts since the law changed in 2018 to only allow employers with 19 or less staff to include trial periods. But the question doesRead more

The property I'm buying has unconsented work

After the flurry of purchasing in 2020 and 2021 where many people purchased properties without much due diligence, over the past 6 months we're starting to see more buyers conducting thorough checksRead more

Can I buy a house and renovate it?

In the last six months I've had numerous questions from first-home buyers who are eyeing up properties that are now available at a lower price due to their need for some tender loving care! There arRead more

Do lending amounts vary between banks?

One of the common questions we're asked is whether lending amounts vary between banks, and the answer is a resounding "yes".  We'll run through a few of the reasons behind these variations and whyRead more

How do I make an offer? Top tips for being successful

Property markets can ebb and flow and there are plenty of moving parts. Competition, price, conditions - what do these all mean and how can you be successful? We break down some of our adviceRead more

We're having a baby - what does it mean for our mortgage?

Congratulations! The arrival of a baby is a joyous occasion, filled with excitement, anticipation, and a whirlwind of preparations. Amidst the baby showers, nursery decorations, and prenatal classes,Read more

Tips for managing your home loan when times are tough

Life has a way of throwing curveballs at us, and sometimes, these challenges can make it difficult to manage our financial obligations. If you have a mortgage and are facing tough times, don'tRead more

Revolving Credit vs. Offset - which is best for me?

When it comes to managing your mortgage, you've likely heard of revolving credits and offset loans. Maybe your sister, colleague or parent has recommended it as a great mortgage structure. But do youRead more

Kainga Ora First Home Loan - am I eligible?

The First Home Loan scheme has been around for a while, but until mid-2022, plenty of people didn't know about it because it had some tricky price caps which were difficult for first home buyers toRead more

Buying with my parents - intergenerational living & home lending

Intergenerational living refers to multiple generations of a family choosing to live under the same roof. This could be parents and their adult children, or even extended family members like aunts,Read more

ANZ Blueprint to Build Version 2.0 2023

ANZ originally announced its Blueprint to Build in 2021 as a way to support the construction industry and help people to build new homes. You can read about the specifics of it here. Right from theRead 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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