Buying your first home

First Home Mortgage Brokers - Hamilton, Cambridge, Matamata & Te Awamutu

Buying your first home is one of the most exciting times of your life. Whether you are doing it by yourself, with your partner or with family, becoming an owner of a property opens up a lot of opportunities and can also bring up a lot of questions, nerves and uncertainty. It can be stressful but if you plan, have great people around you and know what to expect, it can still be one of the most enjoyable experiences for you. 

For most people, buying property is not an everyday occurrence and for most of us, we will only buy and average of 4-5 properties in our lifetime so having great advice and support throughout is very important, especially if it is your first time.

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Contact the team about buying your first home

We're here to help answer all your first home buying questions and to make sure you get the right mortgage approved and set up for you and your situation. We have the experience to help you avoid the common mistakes and get things moving faster and in the right direction to get the purchase done and you into your first home. 

Contact the My Mortgage team and one of our first home specialists will be in touch.

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Thanks for reaching out about buying your first home. That's exciting! One of the team will be in touch really soon about helping you get finance to buy your first home.

From the My Mortgage Blog for First Home Buyers

Using KiwiSaver for your unconditional day deposit?

For many first home buyers, their KiwiSaver forms a large part (some if not all) of their deposit for a home, and we are frequently asked the question as to how this can be used to pay their deposit Read more

Yay, you're pre approved! What's next?

The hard work for your home loan is now done – the bank wants to lend you money! Now there are only a few key things left to do; Find the right house and make an offer – talk to us aboutRead more

Who are you going to buy with?

For most first home buyers, at least two people being involved will open up a heap of options for you, unless you have a very significantly high personal income or a very good deposit. So plenty of mRead more

What type of "Advice" can you get from a mortgage broker?

You’re absolutely smashing it. You’ve got your pre-approval, have made an offer and met all the conditions on your agreement. Now it’s time to confirm your agreement unconditional, and BOOM - Read more

Where did all my money go??

About three weeks ago I got a call from a first home buyer I had pre-approved – and the first thing she asked me was “Do you know where all my KiwiSaver money has gone?” Unfortunately IRead more

What's a Priority Amount?

We sometimes get some concerned clients touch base with us when they receive their loan offer as it has two amounts on there. One is the amount they are borrowing and one is substantially higher.Read more

We have 10% deposit. Should we wait till we get 20%?

We talk to people all the time who have done a great job of keeping their student loans low, their existing debt minimal and have a good steady income who are looking o buy a house. They’ve also beRead more

Aren't brokers just.....? Myths about Mortgage Brokers

There are a lot of myths out there about what Mortgage Brokers do and don't do, how we make our money and how relevant we are. While we're on lockdown I thought it would be a great time to dispel aRead more

Saving & Planning for your first home

We all know that your home is one of the biggest purchases you'll make in your life. We want to make the path to you owning your own home as easy as possible, so we've put together some handy tipsRead more

Getting bank statements for a home loan application

In this digital age we are trying to make things as simple as possible for you to get us all your application information electronically (a key reason we launched Online Mortgage!). The banks requireRead more

Types of loans

We get asked a lot about the different types of loans you can take, and there is often a lot of confusion about how these can and should be set up. The golden rule is that it's important to get theRead more

Afterpay etc & how it may affect your ability to get a mortgage

Buy now, pay later schemes have been around for a long time and were generally termed as Hire Purchases. Traditional credit cards are also essentially a Buy Now, Pay Later type thing as well.  HowevRead more

Book a time with an expert

For My Mortgage, home loans are all about people and stories, not numbers and dollars. By booking a time to speak with one of our expert team, we can give you free advice and guidance and what we think will be right for you. We can connect in person, via phone, online or email. 

Whatever works best for you.