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We're excited to help you plan selling your home & purchasing another!

One of the My Mortgage team 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 next property.

In the meantime, check out the helpful information on our blog about selling and buying again.

From the My Mortgage Blog

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

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

Home Loan Cash Backs - What are they and when can I get them?

Cash Contributions (or cash backs as most people call them) are essentially money that the lender gives to the borrower as a way to say thanks for doing business with them. It is a little carrot atRead 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

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

Using Second Tier Lenders to get to where you want to go

At My Mortgage the large majority of the clients we work with we are looking at the main banks as the best option for them. At the main banks you can get the best interest rates usually and utiliseRead more

Valuations - What's The Deal?

There are so many different types of valuations, but the one we deal with the most in our line of work are Registered Valuations, or quite commonly referred to as an RV. What is an RV? This isRead more

Lazy Loans - What are they & how can My Mortgage help?

A lazy loan is a loan that is not performing as best as it could be for you. Often, we find that when people are changing loan structures or loans are expiring, or they are buying and selling newRead more

The Risk of Fixing Your Home Loan

We have seen over the last year or so that rates have trended down and rates have looked attractive on both the shorter terms and longer terms, so we wanted to have a quick chat to help youRead more

Options to not be homeless when you're selling & buying

Anyone who has sold a home to buy (or build) another will attest to the fact that it can be stressful working out where you're going to live in between times if you're not fortunate enough to settleRead more

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