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We're excited to help you plan purchasing your first home!

Claire or Greg from My Mortgage will be in touch really soon to find out more about where things are at for you right now and then give you advice and tools to get you on the path to buying your first property.


In the meantime, check out the helpful information on our blog about buying your first home. 

From the My Mortgage First Home Buyers Blog

Government Announcement - First Home Grant changes May 2024

The Government has decided to discontinue the First Home Grant, which was the support they gave to buyers who had contributed to Kiwisaver for at least 3 years, and who met certain criteria aroundRead 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

Navigating Current Interest Rates: Why a Short-Term Fix Might Be Your Best Bet

At My Mortgage, we've been closely monitoring the current landscape of interest rates as of February 2024. With rates fluctuating between 6.4% and 6.9%, depending on the chosen term, we believe it'sRead 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

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
 

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