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 brokers 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 on 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.

Latest News

Long Term Fixing - Is Now the Time?

For the last few years, we have been advising people to fix their home loans for shorter loan terms to take advantage of the downward trending interest rates, but it looks like we might be nearly atRead more

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

Building a shed to live in on my new lifestyle block - how can I do that?

It used to be a quarter ache but that has expanded to being the small lifestyle block, in the country with a brand new build and shedding for all your toys or somewhere to run your business out of. TRead 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

Should I really be repaying debt?

Recording this video goes against everything I've said in my 14 years as a Mortgage Broker but I think it's a fair question worth asking. I've always been a fan of repaying debt as it sets you up toRead 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

Should I be floating my loan?

This is a really good question to be asking at the moment and it's one that plenty are... Rates are dropping so there's merit in the discussion around floating and waiting for a better rate. PerhapsRead more

Do you really need 40% to buy a rental property?

So you're looking to buy your first (or next) rental property? You might be feeling some FOMO that the major banks have decided to take matters into their own hands and pull back the Loan to ValueRead more

This is the year to smash your mortgage!

The ducks are all falling in to a row when it comes to making repaying your mortgage easier and we think 2021 is the year to make some great headway on securing your financial future.   There's noRead 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

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

The gap between fixed and floating rates is increasing

The gap between the fixed and floating rates are increasing and if you've got a floating rate this means you're paying considerably more in interest, which ultimately means you'll be paying off yourRead 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.