http://www.mymortgage.co.nz/blog/ The latest Blog feeds from www.mymortgage.co.nz en-us Sun, 02 Aug 2026 04:21:03 +1200 Rocketspark 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/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 http://www.mymortgage.co.nz/blog/post/167282/student-loans-and-mortgage-serviceability/ A student loan doesn't stop you from buying a home. For most people, it's just one more thing to factor into the plan - and there's usually a good path forward.Here's what you need to know.... Wed, 15 Jul 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post167282 http://www.mymortgage.co.nz/blog/post/167469/what-to-do-when-your-building-report-flags-some-issues/ So you've made an offer, got a building report done, and it's come back with a few things flagged.Before you panic, it's worth knowing this happens all the time. Very few properties, even beautifully presented ones, come back completely clean. It doesn't automatically mean your finance is in trouble, and it definitely doesn't mean the deal is over.What the bank actually wants to know is how much risk they're taking on by lending against this particular property.So let’s cover off the best ways... Tue, 14 Jul 2026 14:53:33 +1200 http://www.mymortgage.co.nz/blog/#post167469 http://www.mymortgage.co.nz/blog/post/167279/how-to-switch-your-aia-go-home-loan-to-asb-and-get-a-cashback/ If your home loan is with AIA GO Home Loans, or it started life as a Sovereign loan years ago, this one’s for you. ASB has launched a cash offer for AIA GO Home Loan customers who move their lending across. It’s a genuine opportunity, and the switch is simpler than you’d expect.... Wed, 08 Jul 2026 10:29:58 +1200 http://www.mymortgage.co.nz/blog/#post167279 http://www.mymortgage.co.nz/blog/post/166645/what-actually-happens-after-your-offer-is-accepted/ Getting your offer accepted is a massive moment. Then about 48 hours later, the questions start. What do I need to do? When does the bank need to confirm? What's unconditional mean again? This is the part of the process where clients feel the most uncertain and we’re here to hold your hand and answer the questions!Here's a clear run-through of what happens between "offer accepted" and "keys in hand".... Tue, 23 Jun 2026 14:35:04 +1200 http://www.mymortgage.co.nz/blog/#post166645 http://www.mymortgage.co.nz/blog/post/166572/co-buying--a-new-fad-or-a-genuine-way-into-the-market/ More and more Kiwis are finding a creative solution to one of the biggest barriers to homeownership - and the great news is that it doesn't involve waiting years to save a bigger deposit on your own. Co-buying is growing in popularity, and for good reason. But like most things in property, the details matter.... Mon, 22 Jun 2026 11:33:29 +1200 http://www.mymortgage.co.nz/blog/#post166572 http://www.mymortgage.co.nz/blog/post/166356/sell-first-or-buy-first-heres-how-to-do-both/ Most people think selling and buying at the same time is stressful. It doesn't have to be. With the right prep, you can move from your current home into your next one feeling confident the whole way through.... Tue, 16 Jun 2026 00:00:00 +1200 http://www.mymortgage.co.nz/blog/#post166356