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

Changes to the First Home Loan & First Home Grant

Yesterday the government made an announcement on changes to help keep buying your first home within reach. One of the key changes made is to the criteria of the First Home Grant and First Home LoanRead more

Getting your low equity margin removed.

When you get a home loan at more that 80% Loan to value ratio (Find out more about LVR's here) the banks charge you a bit extra for the privilege of borrowing that money when you have a smallerRead more

Buying a property at auction with less than a 20% deposit

With the property market as hot as it is, a lot of properties are being sold via auction and understandably so. We are hearing of great prices for people selling their properties at auction. However,Read more

Getting a home loan when you're on one income

Buying a new home on one income either as a single person or when you or your partner are not working can feel really difficult but there are ways to make things work and things to consider. Read more

Banishing Short Term Debt forever...

Every single day, as a Mortgage Broker, I say to myself “I wish more people understood debt and how to beat it”.  People contact me to buy their first home, and at least 50% of the time eitherRead more

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

What do banks look at for self employed income & why?

Being self employed is a great option for many people and can give freedom in a lot of areas of life. It can also mean a few more challenges, and a question we often get asked is "Why is it harderRead more

Can I use my KiwiSaver if I've owned a home before?

In recent years, KiwiSaver has become a great way for first home buyers to save for a home, and almost all our first home buyer clients include KiwiSaver as part of their depsoit. But what about ifRead 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

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, guidance & what we think will be right for you as well as explain our mortgage repayment calculators. We can connect in person, via phone, online or email. 

Whatever works best for you.