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Thinking about building or renovating?

Whether you’re extending your family home, choosing a house and land package or building your dream home, financing a build requires the right planning and structure.

It’s an exciting process but there’s a lot to consider, especially when it comes to how the bank assesses builds and renovations.

Having recently built our own homes and helped many clients do the same, the My Mortgage team understands what lenders require and what to watch for along the way.

Finance your build with confidence

Contact us to talk about your plans today

Whether you’re renovating, extending or building from scratch, we guide you through the lending process and structure your loan to support every stage of the build.

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Thanks for touching base about your build or renovation. One of the My Mortgage team will be in touch really soon to discuss in more detail.

From the blog - Building & Renovation

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

Up-to-Date Financials for Business Owners buying residential property

A crucial aspect of residential home lending for business owners is the significance of keeping your business financials up to date. In recent years, banks have become increasingly stringent aboutRead more

Applying for a mortgage while on a fixed term employment contract - How does that work?

We commonly hear people say that it’s impossible to get a home loan when you’re on a fixed term contract but is that true? Read on to find out more!... Every situation is different when it comesRead more

I’m in a trial period - Can I apply for a home loan?

It’s less common these days to see trial periods in employment contracts since the law changed in 2018 to only allow employers with 19 or less staff to include trial periods. But the question doesRead more

Westpac 0% 'Greater Choices' Home Loan - Everything you need to know!

Exciting news is here as Westpac launches and expands their 'Greater Choices' home loan product. Formerly known as the Westpac 'Warm Up' loan... With a new maximum loan amount of $50,000, this offerRead more

Buying with Less than a 20% Deposit - What are the options in 2023?!

Purchasing a home is a significant milestone in many people's lives. However, securing the right financing option can often be challenging, especially for first-time homebuyers or those with limitedRead more

Co-Ownership - Buy with a friend or family member!

Over the last year as interest rates have risen along with the 'test rate' which banks use to assess your ability to service a mortgage we're finding we are having more conversations with clients aboRead more

Five things to think about when your home loan is coming up to its fixed rate rollover

For a long time now, it seems as if the Kiwi approach to refixing mortgages has been to simply refix at the lowest rate available at the time of rollover - Normally the 12 month rate! At a time whenRead more

Why can't I borrow as much as I want from the banks?

If you're in the market for a home loan, you might be surprised to find out that currently, the amount you can borrow from the banks is less than what you had in mind. There are several factors thatRead more

Can an Uber driver get a home loan in New Zealand?

If you're an Uber driver in New Zealand and you're looking to obtain a home loan, you may be wondering how banks will treat your Uber income. The good news is that many banks in New Zealand are open Read more

Stop stressing about your 'credit score'!

It's so common for us to hear people talking about their 'credit score'...So, does a credit score really matter and what's it all about?! In New Zealand, credit scores are not as important as theyRead more

Top 10 Home Loans Myths - Debunked!

As mortgage advisers, we often hear and see information out there that is just not true! There's so much information available these days and it seems that what might be true in other parts of theRead more

Let's make a plan

Get in touch today to find out what’s possible... no pressure, no jargon,
just real advice.

We can connect in person, via phone, online or email.

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