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From the My Mortgage Blog

Rate Watch: What To Do Now - Part 2

August 18th 2026With rates on the move again, "should I wait for a better deal?" isn't really the question anymore. It's "how do I lock in properly, right now?" Term length and structure both matter more when thingsRead more

AI gave my client advice that would have cost him thousands

August 17th 2026This week, a client came to me with a detailed loan structure recommendation - courtesy of ChatGPT. It was actually quite impressive. Well researched, detailed, and incorporated information he’dRead more

Rate Watch: What To Do Now - Part 1

August 11th 2026For the last year or so, rates did what everyone wanted, they came down. That run is over. The Reserve Bank has started lifting the OCR again, and mortgage rates are following.Read more

The three things people apologise to me for

August 10th 2026I find it wild how many apologies I get from new clients. “I’m not good with money, I don’t understand this”. No worries, I am. And I can teach you. “My bank statements look bad, because IRead more

Selling & Buying Part 3 - Finding Our Backup

August 10th 2026If you read part one and two, you’ll know our house sold before we had anywhere to go. So part three picks up where the pressure really kicks in, the house hunt itself, and the slightly wild way weRead more

Selling & Buying Part 2 - Getting Pre-Approval

August 4th 2026If you read the last post, you'll know our house sold a lot faster than the 20 months leading up to it suggested it might. Offer on Monday, unconditional by Friday. Which meant something else movedRead more

Homeownership isn't just a game for couples

July 27th 2026When my husband and I split in 2019, I brought him out of our jointly owned home. I was absolutely terrified. Low equity, a large loan, one income, a business that was still growing, and an uncertainRead more

Selling & Buying Part 1 - It's been a long time coming, but we sold our house

July 24th 2026Twenty months. That's how long our house has been for sale in one form or another, and then it all happened in five days flat. If you're in the middle of your own slow-burn sale, or wondering whetherRead more

Using Home Equity to Buy a Business

July 23rd 2026If you've built up equity in your home and you've got your eye on a business, you're actually in a pretty strong position. A lot of people don't realise that home equity can be a legitimate path intoRead more

Nobody told you this, but 2026 might actually be your year

July 20th 2026If you’ve been putting off buying your first home, or not sure whether the time is right, there have never been such great options for buyers. While most of the headlines have been dominated withRead more

Student Loans and Mortgage Serviceability

July 15th 2026A student loan doesn't stop you from buying a home. For most people, it's just one more thing to factor into the plan - and there's usually a good path forward. Here's what you need to know.Read more

What to do when your building report flags some issues

July 14th 2026So you've made an offer, got a building report done, and it's come back with a few things flagged. Before you panic, it's worth knowing this happens all the time. Very few properties, evenRead more

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