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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

Fixed Rates vs. Floating Rates: Choosing the Right Mortgage Option for You

Fixed-rate mortgages involve entering into an agreement with your lender—typically a bank—where you commit to paying a set interest rate over a specified period. In New Zealand, you can typicallyRead more

The Pros and Cons of Consolidating Debt Into Your Home Loan

Debt consolidation involves combining multiple debts into a single loan, typically your mortgage. This process can simplify your finances by consolidating payments into one, potentially lowering yourRead more

Over 50 and buying property? Here's what you need to know about home loans

For many, the dream of owning a home doesn't retire at 50. In fact, entering the later stages of life can be an ideal time to reassess financial portfolios, consider investing in property, or evenRead more

Will my Coffee Habit affect my Mortgage Application?

Funnily enough, a question that has become quite popular over the past few years: "If I buy too much coffee, will I be able to get a mortgage?" The short answer is yes, and that's fantastic news forRead more

Rental strategies - is short or long term rental right for me?

In this episode of the My Mortgage Podcast, Greg and Claire delve into the realm of rental income options and explore diverse strategies for investment property success. From long-term rentals toRead more

Navigating Home Loan Financial Hardship: How Banks Can Offer Relief

Financial challenges can arise for anyone, whether due to rising interest rates, job loss, illness, or changes in family dynamics. During these tough times, understanding your options for financialRead more

Intergenerational Home Buying & Lending: A Growing Trend in New Zealand

In recent years, a noticeable shift has emerged in New Zealand's property market: more families are choosing to buy homes together. This trend of intergenerational living isn't just about sharingRead more

Professionals you need on your Property Investment Team

In this episode of the My Mortgage Podcast, Greg and Claire uncover the important role of professionals in shaping a successful investment strategy. We start by talking about the role of mortgageRead more

Landlords: Why Selling Your Investment Property to Tenants Could Be Your Best Move

As a landlord, the prospect of selling your investment property comes with several considerations, especially with the upcoming changes to the bright line test on July 1, 2024. This shift, reducing tRead more

What type of investment property is right for me?

In this episode of the My Mortgage Podcast, we're exploring the nuances between new builds and existing properties, navigating renovations, and understanding location dynamics. We're kicking offRead more

Reserve Bank changes - what you need to know about DTI's and LVR's

The Reserve Bank made some changes as of May 28th, 2024 regarding Debt-to-Income ratios (DTI's) and Loan-to-Value ratios, which is the percentage of a property's value that the bank can lend up to.Read more

Structuring your investment property purchase

In this episode of the My Mortgage podcast, Claire and Greg are diving into investment structures and ownership setups, exploring how they impact your borrowing ability and property ownership. WeRead 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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