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Sell your property and buy again with ease

Whether you’re buying your dream home, upsizing, downsizing, or relocating, My Mortgage is here to make the process easy.

With expert advice and clear guidance on what you can afford, we help you plan with confidence, even before you start the sales process. Our advice is always free.

From the blog - Selling and buying with ease

Tips to repay your mortgage faster

January 27th 2025Each 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

Intergenerational Home Buying & Lending: A Growing Trend in New Zealand

June 12th 2024In recent years, a noticeable shift has emerged in New Zealand's property market: more families are choosing to buy homes together. This trend of intergenerational living isn't just about sharingRead more

Bridging Finance in New Zealand: Is it possible and what else could you do?

May 3rd 2024Bridging finance can be a lifeline for homeowners looking to buy a new property before their existing one is sold. However, as Greg from My Mortgage explains, securing this type of loan isn't asRead more

Up-to-Date Financials for Business Owners buying residential property

February 19th 2024A 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

February 19th 2024At 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

Applying for a mortgage while on a fixed term employment contract - How does that work?

November 2nd 2023We commonly hear people say that it’s impossible to get a home loan when you’re on a fixed term contract but is that true? Read on to find out more!... Every situation is different when it comesRead more

I’m in a trial period - Can I apply for a home loan?

November 2nd 2023It’s less common these days to see trial periods in employment contracts since the law changed in 2018 to only allow employers with 19 or less staff to include trial periods. But the question doesRead more

Co-Ownership - Buy with a friend or family member!

May 24th 2023Over 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

Five things to think about when your home loan is coming up to its fixed rate rollover

May 3rd 2023For a long time now, it seems as if the Kiwi approach to refixing mortgages has been to simply refix at the lowest rate available at the time of rollover - Normally the 12 month rate! At a time whenRead more

Why can't I borrow as much as I want from the banks?

May 3rd 2023If 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?

April 20th 2023If 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

Stop stressing about your 'credit score'!

April 20th 2023It's so common for us to hear people talking about their 'credit score'...So, does a credit score really matter and what's it all about?! In New Zealand, credit scores are not as important as theyRead more

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