Thanks for that!

We know that might have been a bit of a slog to provide all that information for us but it means we can now go to the lenders we think fit best and see what we are able to get for you to move towards your property goals. 

This next step can take anywhere from 5 to 10 working days and we'll be in touch as soon as we have anything from the lenders or need any more information from you. Please get in touch with Adam, Claire or Greg if you need anything from us or have any questions over the next few days.

From the My Mortgage Blog

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