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From the My Mortgage Blog

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

Why we don’t often suggest splitting your fixed rates

I'm going to throw a cat amongst the pigeons of conventional wisdom here but I'd like to put it out there that I'm not a fan of splitting your fixed rates by fixing over different terms. What is thisRead 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

Five simple 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

Our thoughts on if to fix or float - Fix for a year

At the risk of oversimplifying things... I believe the best thing you can be doing right now is to fix your home loan for 12 months. ANZ came out last week saying they saw another at least two or maRead more

Is your Home Loan still floating? We need to talk!

If you've got a home loan which is sitting on floating and you've been getting around to fixing it... or perhaps a fixed loan expired and has just rolled on to floating then this message is reallyRead more

The financial life cycle & how it works

As you can imagine, we get the pleasure of helping people all across the financial spectrum... From people with no deposit and a dream of owning a home, right through to those with 20 or 30 rentalRead more

The scribble graph - Adam draws this multiple times week

This scribble is going to be familiar for a lot of people reading this...  It may be fairly crude but it sums up why it feels so tough getting in to your first home but also just how much that hardRead more

Situation changing? Structure your mortgage to be resilient

At My Mortgage one of the most important things to us is you having the right home loan for your situation. We often stress that when you get your first mortgage, we'll structure it to fit you best,Read more

Loan term pressure from the banks

We've been seeing a lot more clients lately suffering from some "Loan Term Pressure" from their banks.  Essentially their banks have been asking them to repay their lending faster than they'd likeRead more

Why should you refinance your mortgage?

With interest rates at historic lows and banks undercutting each other left, right, and centre, we've had a lot of enquiries about refinancing, and it's super important to understand exactly whatRead more

Don't set and forget! Your mortgage deserves better.

I feel like I've been on a personal crusade lately to tidy up bad loan structures.  It's so common and yet so easy to make a difference and save someone hundreds of dollars a year, if not more. SoRead more