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.

About our team

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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

Afterpay etc & how it may affect your ability to get a mortgage

Buy now, pay later schemes have been around for a long time and were generally termed as Hire Purchases. Traditional credit cards are also essentially a Buy Now, Pay Later type thing as well.  HowevRead more

Your Home Loan Elevator Pitch - Telling your story

Are you not having any love with your bank?  Or you feel like you're just not getting what you want? We don't consider ourselves to be greasy salespeople by any stretch but most people canRead 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

Welcome Home Loan & Homestart grant changes

Earlier this week the Government announced that they had been "overly ambitious" with their goal to build 100 000 homes in the next 10 years so have reset KiwiBuild. As a part of the reset, it hasRead 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

Why borrowing power is less when you don't have 20%?

We love working with first home buyers. The excitement of walking through your own front door for the first time is something that never gets old.  After more than 15 years combined experience betwRead more

How to be the best guy jumping out of a plane

If you’re going to do a skydive, you want the gear getting you from the plane to the ground to be 100% perfect, right? We’d call that managing your risk, and it’s what the banks do when theyRead more

How & Why is My Mortgage free?

As Luther Vandross and Janet Jackson announced in their 1992 Grammy-nominated duet, The Best Things In Life Are Free. But in reality, nothing in life is free, right? Well for once you can getRead 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

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 and guidance and what we think will be right for you. We can connect in person, via phone, online or email. 

Whatever works best for you.