http://www.mymortgage.co.nz/blog/ The latest Blog feeds from www.mymortgage.co.nz en-us Mon, 13 Jul 2026 03:13:47 +1200 Rocketspark 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 http://www.mymortgage.co.nz/blog/post/164688/whats-actually-happening-with-interest-rates-right-now/ There's a lot of noise out there at the moment.Global tension, rising fuel prices, economists talking about inflation, and attention-grabbing headlines that can make everything feel a bit uncertain.So let's have a look at what's going on here, and what it means for your mortgage.... Tue, 19 May 2026 07:05:33 +1200 http://www.mymortgage.co.nz/blog/#post164688 http://www.mymortgage.co.nz/blog/post/163435/case-study-why-a-no-from-the-bank-isnt-always-the-final-word-the-200k-equity-oversight/ Some new clients approached us wanting to take advantage of a low interest ‘Green Loan’ to purchase an EV. They had strong income and a solid repayment history. However, when they went direct to the bank before coming to see us, the bank declined the application based on an LVR (Loan to Value Ratio) restriction. The clients were ready to give up on the dream - until we took a look.... Tue, 14 Apr 2026 15:01:05 +1200 http://www.mymortgage.co.nz/blog/#post163435 http://www.mymortgage.co.nz/blog/post/163170/a-guide-to-break-fees-how-they-are-calculated-and-when-to-pay-them/ The New Zealand mortgage market has been on bit of a rollercoaster lately.After a period of reasonably aggressive easing throughout 2025 that saw the Official Cash Rate (OCR) drop to 2.25%, some would suggest the tide appears to be turning.For many homeowners, the big question is no longer "How low will they go?" but rather "Have we hit the bottom?".Most major bank economists, including ANZ and Westpac, are now signaling that the rate-cutting cycle is over, and after April's OCR h... Tue, 07 Apr 2026 09:45:13 +1200 http://www.mymortgage.co.nz/blog/#post163170 http://www.mymortgage.co.nz/blog/post/163169/anzs-new-2-50-renovation-loan-everything-you-need-to-know/ If you’ve been scrolling through kitchen designs or dreaming of updating your bathroom to something a little more modern, you aren’t alone.According to recent data, more Kiwis are choosing to renovate an existing home over selling and buying in the current market.ANZ, as New Zealand's largest bank, has just launched a dedicated Reno Loan. It’s a low-interest top-up designed specifically to kickstart home improvements.But is it the right move for you? Let’s break down the detail... Tue, 07 Apr 2026 09:26:44 +1200 http://www.mymortgage.co.nz/blog/#post163169 http://www.mymortgage.co.nz/blog/post/162100/how-will-the-war-in-the-middle-east-affect-my-interest-rates/ It’s mid-March 2026, and if you’ve been keeping half an eye on the news, you’ll know there’s a fair bit going on both globally and locally.We’ve had talk of oil shortages, ongoing conflict in the Middle East, and a whole lot of economic uncertainty floating around.And naturally, it’s starting to make borrowers a little bit uneasy. So let's dive into what some of these driving factors are, and what we can do about it.... Thu, 19 Mar 2026 06:13:44 +1300 http://www.mymortgage.co.nz/blog/#post162100 http://www.mymortgage.co.nz/blog/post/161205/rates-and-ocr-update-march-2026/ The final OCR announcement of 2025 dropped to 2.25% and most recently on 18 February 2026 has been held. Most economists agree we’ve reached the bottom of the rates cycle and there will be a period of relative stability, especially in the short term rates where the outlook is fairly clear.The Reserve Bank has commented that rates are likely to rise towards the end of 2026, which is a view mirrored by the major banks and is a review of the original position which was 2027 being the start of the... Tue, 03 Mar 2026 09:51:25 +1300 http://www.mymortgage.co.nz/blog/#post161205