http://www.mymortgage.co.nz/blog/ The latest Blog feeds from www.mymortgage.co.nz en-us Sat, 22 Aug 2026 08:27:40 +1200 Rocketspark http://www.mymortgage.co.nz/blog/post/168563/rate-watch-what-to-do-now--part-2/ With rates on the move again, "should I wait for a better deal?" isn't really the question anymore. It's "how do I lock in properly, right now?" Term length and structure both matter more when things are heading up, not less.... Tue, 18 Aug 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post168563 http://www.mymortgage.co.nz/blog/post/168787/ai-gave-my-client-advice-that-would-have-cost-him-thousands/ This week, a client came to me with a detailed loan structure recommendation - courtesy of ChatGPT.It was actually quite impressive.Well researched, detailed, and incorporated information he’d given it around some very aggressive short term goals.The problem was that it was totally wrong for him.The AI didn’t know a range of things about him that he wouldn’t have known were relevant details.He had a lower deposit, which meant he was already going to be paying a higher margin on his rate.It... Mon, 17 Aug 2026 09:10:37 +1200 http://www.mymortgage.co.nz/blog/#post168787 http://www.mymortgage.co.nz/blog/post/168559/rate-watch-what-to-do-now-part-1/ For the last year or so, rates did what everyone wanted, they came down. That run is over. The Reserve Bank has started lifting the OCR again, and mortgage rates are following.... Tue, 11 Aug 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post168559 http://www.mymortgage.co.nz/blog/post/168512/the-three-things-people-apologise-to-me-for/ I find it wild how many apologies I get from new clients.“I’m not good with money, I don’t understand this”.No worries, I am. And I can teach you.“My bank statements look bad, because I went on holiday last month”Me too, how exciting is that? I hope you had fun!“Sorry, we don’t have much of a deposit”I bought my first home with $3K in my KiwiSaver.Believe me, mortgage advisers are not the fun police. Or the judgement police either.We all took years to learn money, finance and l... Mon, 10 Aug 2026 08:46:26 +1200 http://www.mymortgage.co.nz/blog/#post168512 http://www.mymortgage.co.nz/blog/post/168270/selling--buying-part-3--finding-our-backup/ If you read part one and two, you’ll know our house sold before we had anywhere to go. So part three picks up where the pressure really kicks in, the house hunt itself, and the slightly wild way we ended up in our new home.... Mon, 10 Aug 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post168270 http://www.mymortgage.co.nz/blog/post/168268/selling--buying-part-2--getting-pre-approval/ If you read the last post, you'll know our house sold a lot faster than the 20 months leading up to it suggested it might. Offer on Monday, unconditional by Friday. Which meant something else moved fast too: getting our own pre-approval sorted, because suddenly we needed to know exactly what we could work with.... Tue, 04 Aug 2026 11:37:27 +1200 http://www.mymortgage.co.nz/blog/#post168268 http://www.mymortgage.co.nz/blog/post/167967/homeownership-isnt-just-a-game-for-couples/ When my husband and I split in 2019, I brought him out of our jointly owned home.I was absolutely terrified.Low equity, a large loan, one income, a business that was still growing, and an uncertain property market.I remember the conversation with one of my trusted advisers at the time who encouraged me to take the leap.And when I ran the numbers I realised it was possible. Tough, but doable.That decision has changed the course of my life, and set me up for absolutely everything I now have.And if... Mon, 27 Jul 2026 12:55:42 +1200 http://www.mymortgage.co.nz/blog/#post167967 http://www.mymortgage.co.nz/blog/post/167909/selling--buying-part-1--its-been-a-long-time-coming-but-we-sold-our-house/ Twenty months. That's how long our house has been for sale in one form or another, and then it all happened in five days flat. If you're in the middle of your own slow-burn sale, or wondering whether "quietly listed" is even a real thing, this one's for you.... Fri, 24 Jul 2026 14:07:40 +1200 http://www.mymortgage.co.nz/blog/#post167909 http://www.mymortgage.co.nz/blog/post/167653/using-home-equity-to-buy-a-business/ If you've built up equity in your home and you've got your eye on a business, you're actually in a pretty strong position. A lot of people don't realise that home equity can be a legitimate path into business ownership - and for the right situation, it works really well.Here's how it works and what to think about:... Thu, 23 Jul 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post167653 http://www.mymortgage.co.nz/blog/post/167735/nobody-told-you-this-but-2026-might-actually-be-your-year/ If you’ve been putting off buying your first home, or not sure whether the time is right, there have never been such great options for buyers.While most of the headlines have been dominated with interest rate rises and endless talk of house prices rising and falling across the country, there’s another positive story in the wings and it’s all coming up trumps for first home buyers.A few interesting shifts have happened across the lending landscape across the last few years to build a meltin... Mon, 20 Jul 2026 07:50:04 +1200 http://www.mymortgage.co.nz/blog/#post167735