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Buying your first home

Looking to buy your first home? You're in the right place!

Buying your first home can be a crazy mix of exciting and scary. There's a lot to learn and do!

The team at My Mortgage has helped thousands of Kiwis into their first home and we can help you too.

To get the ball rolling, where are you at?

I want to learn more

Watch the 9 part video series

What can I borrow?

Book a chat with an Adviser

Get me a pre-approval

Fill out our application form here

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Get the latest news and regular tips from our specialist team about Buying your First Home

Check out our First Home Buyer Videos

Watch from our list of over 40 videos on our YouTube page, with all our tips and tricks to make the process easy

Get videos here

What our clients say about us

From the My Mortgage Blog for First Home Buyers

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

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

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

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

Home loans for energy efficient upgrades and electric vehicles

Since 2021, all 5 of the main New Zealand banks have brought out home loan products specifically for energy efficiency and helping make New Zealand homes warmer, dryer, and heathier. Some banks haveRead more

Making an offer - what do these terms mean?

Making an offer on a property is one of the most exciting parts of buying a home. You've found a place you love and you just want to move in - but first there might be a bit of negotiating and thatRead more

Cash Contributions/Cashbacks - What are they?

When you apply for a new home loan with a bank, they may offer you a cash contribution as an incentive to choose their loan product. A cash contribution is a sum of money that the bank will give you Read more

Townhouses and Turnkey builds as your first home

This episode we talk about townhouses and turnkey builds - what they are, how they’re different from other builds, and how to fund them! We discuss: The difference between townhouses, duplexes,Read more

From unconditional day till settlement - What happens?

This episode if all about the process from unconditional day to settlement day, some of the terms we use and decisions you’ll have to make to ensure your home loan works for you. We discuss: TheRead 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, 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.

Book a time with a home loan expert

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