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 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!

First Home Buyer Mortgages

Buying your first home can be a really 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, My Mortgage 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 s 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 on 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 top help get you the best renovation & construction mortgage for your situation.

Latest News

Afterpay etc & how it may affect your ability to get a mortgage

Buy now, pay later schemes have been around for a long time and were generally termed as Hire Purchases. Traditional credit cards are also essentially a Buy Now, Pay Later type thing as well.  HowevRead more

Your Home Loan Elevator Pitch - Telling your story

Are you not having any love with your bank?  Or you feel like you're just not getting what you want? We don't consider ourselves to be greasy salespeople by any stretch but most people canRead more

Five simple tips to repay your mortgage faster

Each time a payment comes out for your mortgage repayments, it feels like it is a never ending flow of money from your account and if you're near the start of your mortgage, 30 years seems like aRead more

Our thoughts on if to fix or float - Fix for a year

At the risk of oversimplifying things... I believe the best thing you can be doing right now is to fix your home loan for 12 months. ANZ came out last week saying they saw another at least two or maRead more

Is your Home Loan still floating? We need to talk!

If you've got a home loan which is sitting on floating and you've been getting around to fixing it... or perhaps a fixed loan expired and has just rolled on to floating then this message is reallyRead more

Getting creative - Funding your rental portfolio

The banks are getting tougher and tougher with lending criteria, especially with investors who seem to have been unfairly tagged as a bit of a problem in the lending space. If you're struggling to fRead more

Welcome Home Loan & Homestart grant changes

Earlier this week the Government announced that they had been "overly ambitious" with their goal to build 100 000 homes in the next 10 years so have reset KiwiBuild. As a part of the reset, it hasRead more

Your Airbnb Mortgage - Is this an option?

The rental market has changed dramatically over the 12 years that I've been a Mortgage Broker and as ever, there are a bunch of resourceful people out there finding the best ways to provide a good hoRead more

The financial life cycle & how it works

As you can imagine, we get the pleasure of helping people all across the financial spectrum... From people with no deposit and a dream of owning a home, right through to those with 20 or 30 rentalRead more

Renting by the room - What are the ins and outs?

The rental market has changed dramatically over the last decade and as ever, there are a bunch of resourceful people out there finding the best ways to provide a good home and get a good return forRead more

Why borrowing power is less when you don't have 20%?

We love working with first home buyers. The excitement of walking through your own front door for the first time is something that never gets old.  After more than 15 years combined experience betwRead more

"Creative" funding of Rental Properties

One of the things we're constantly asked by investors, is "how can I get around the LVR rules"? The reality is that there is no silver bullet, but there are some ways in which you can be cleverRead more

What do our clients say?

Our complicated refinancing was handled with utter professionalism. Adam and his team are awesome to deal with. Friendly, understanding and always responded quickly to my queries. They secured an amazing deal for us with the bank. Thank you do much! Highly recommended.

Fiona O'Rourke

Really friendly and helpful. Having a mortgage broker took so much weight off our shoulders when trying to buy our first home. They really did so much work for us and it was all for free. Would highly recommend the team at my mortgage. They are the best.

Cliffy Marsters

I highly recommend My Mortgage. I have personally experienced the friendly & professional nature & the results that follow. I've spread the word & many friends, family & clients who have ALL commented on the same nature of positivity & professionalism that oozes from the entire team.

Brittanie Madley

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 and guidance and what we think will be right for you. We can connect in person, via phone, online or email. 

Whatever works best for you.