Home Loans you can
understand & trust

Who is My Mortgage?

Home Loans you can
understand & trust

My Mortgage specialises in getting you the best Home Loan

If you're looking to purchase a new home or would like to know what options you have for your next move, then we can help make the process a lot easier for you.

We strive to provide the best Options, Advice, Service and Price on home loans without using overly technical jargon or trying to cloud your judgement with gimmicks like a lot of the banks do... have a read of some of our blogs below to see what we mean.

We're here to work for you - & to have fun and enjoy doing it!

Want to get started with an application?

If you have a property you are wanting to purchase or want to get a pre approval so that you know what you can buy for, you can apply online and one of our advisers will be in touch and we'll get started on an application.

About the My Mortgage team

First Home Buyer Mortgages

Buying your first home can be a really exciting experience & one that is very enjoyable. The My Mortgage team love working with first home buyers to help them get on the property ladder. Whether you are buying by yourself, with your partner or with others in your family to get your first property, the My Mortgage mortgage advisors will walk you through the process to make sure you know and understand what you need to but without swamping you with the details. We take care of all that. Using your KiwiSaver? Great. Are you eligible for First Home Loan & Grant? We can help with that too. 

Sell & Buy with Ease

Whether you are upsizing, moving for work, downsizing, or just wanting a change, My Mortgage can walk you through the selling and buying process. Just carrying on with the same bank you're with currently might not be best for your situation. My Mortgage work with you to understand your current situation and what you want to achieve to make sure you can do what you want to do and get the property you want. 

Pay your mortgage off faster

Taking on a mortgage can be a big deal as you are responsible for a large amount of debt, so ideally you want to pay that home loan off as quickly as possible. The My Mortgage team can work with you to restructure and budget to help you pay your mortgage off as quickly as possible, without needing to eat noodles every night (although you can if you want!). If you need advice on paying off lump sums, using revolving credits, or increasing your regular payments, we can give that advice and help you put whatever is needed in your mortgage to achieve that. 

Investment Properties

Property has been, and will continue to be a great investment in New Zealand. The My Mortgage team are property investors themselves so they know the ins and outs of borrowing money to fund your first, second or 10th investment property. My Mortgage works with you to make sure the structure of your loans work towards what you are trying to achieve and know how the banks best like to see things managed. 

Building or Renovating

The difference between small minor home improvements and building a brand new, dream home are substantial and so they shouldn't be treated the same. If you are needing to borrow some money to do that extension or finish off that landscaping, we can help you with that. If it's to move that transportable for your home away from home, we can support you there. If it's to build your dream home for you and your loved ones to grow together in, we love doing that too. Whatever the reasons and however big or small, My Mortgage wants to help get you the best renovation & construction mortgage for your situation. Contact one of our mortgage advisors today. 

Latest News

Changes to First Home Loan and First Home Grant

Some great news today for people looking to buy their first home. In the 2022 budget, the government announced some large changes to their First Home Loan and First Home Grant programme. The mainRead more

The Bank of Mum & Dad!

News broke earlier in the week that revealed New Zealand has a new a bank on the scene! A bank you may not have heard of before and one bigger than Kiwibank and TSB combined – Yep, it’s ‘The BRead more

Should I accept new home loan interest rates through my online banking?

Read more

Why does the bank want me to lower my Credit Card limit & close my buy now pay later?

Ever wondered why the bank is asking you to lower your credit card limit and close your buy now, pay later schemes (BNPL), such as Afterpay and Laybuy? Check out Greg’s video below, or read on forRead more

Case Study - Top up decline turned around

In the video below, Greg explains a client example where: Client went directly to the bank to get a $25K top up for some family travelClient can access their KiwiSaver in 4 years so wants to pay off Read more

Is this the worst mortgage advisors car in NZ?

So this is Greg's 2008 Suzuki SX4. Pretty awful aye!!  We're often giving Greg stick about it and telling him to buy something new but then it struck us. Why does it matter and Greg might have a reaRead more

Case Study - When getting great advice means more options

In the video below, Greg outlines a case study were some first home buyer clients:  Initially went to another mortgage advisor and were told they didn't have a large enough depositThey were thenRead more

Property Valuations - Why do I need one and what are they?

Determining the value of a property can be a fairly difficult calculation as there is a lot to take into consideration. The type of property, quality of the dwelling on the property, recent sales andRead more

Budgeting and planning for your new home loan

There aren't many people in the world who LOVE to budget and stick to it but those who do generally find themselves in a good spot to get to where they want to go financially (whatever that means toRead more

Private Sale Series - Buying Someone Out

Unfortunately, this scenario usually involves the ending of a relationship of some kind - it can be a hard one to talk about but these things do happen and it can get messy if things aren’t handledRead more

Private Sale Series - Buying Into a Property

Another common one we see is people looking to buy into a property belonging to someone else - usually a friend, partner or spouse.  Let’s say Sally has a property she’s owned by herself for thRead more

Private Sale Series - Buying From Family

This is becoming really common as house prices continue to climb. The situation is usually that Mum and Dad or another family member (grandparent, etc) might have a property that they will sell toRead more

What do our clients say?

Our complicated refinancing was handled with utter professionalism. Adam and his team are awesome to deal with. Friendly, understanding and always responded quickly to my queries. They secured an amazing deal for us with the bank. Thank you do much! Highly recommended.

Fiona O'Rourke

Really friendly and helpful. Having a mortgage broker took so much weight off our shoulders when trying to buy our first home. They really did so much work for us and it was all for free. Would highly recommend the team at My Mortgage. They are the best.

Cliffy Marsters

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.