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From the My Mortgage Blog

How to Switch Your AIA GO Home Loan to ASB (and Get a Cashback)

If your home loan is with AIA GO Home Loans, or it started life as a Sovereign loan years ago, this one’s for you. ASB has launched a cash offer for AIA GO Home Loan customers who move theirRead more

What Actually Happens After Your Offer Is Accepted

Getting your offer accepted is a massive moment. Then about 48 hours later, the questions start. What do I need to do? When does the bank need to confirm? What's unconditional mean again? This is theRead more

Co-buying - a new fad or a genuine way into the market?

More and more Kiwis are finding a creative solution to one of the biggest barriers to homeownership - and the great news is that it doesn't involve waiting years to save a bigger deposit on your own.Read more

Sell First or Buy First? Here's how to do both

Most people think selling and buying at the same time is stressful. It doesn't have to be. With the right prep, you can move from your current home into your next one feeling confident the whole wayRead more

What's actually happening with interest rates right now

There's a lot of noise out there at the moment. Global tension, rising fuel prices, economists talking about inflation, and attention-grabbing headlines that can make everything feel a bit uncertain.Read more

Case Study - Why a "No" from the Bank isn’t Always the Final Word: The $200k Equity Oversight

Some new clients approached us wanting to take advantage of a low interest ‘Green Loan’ to purchase an EV. They had strong income and a solid repayment history. However, when they went direct toRead more

A guide to break fees: How they are calculated and when to pay them

The New Zealand mortgage market has been on bit of a rollercoaster lately. After a period of reasonably aggressive easing throughout 2025 that saw the Official Cash Rate (OCR) drop to 2.25%, someRead more

ANZ’s new 2.50% Renovation Loan: Everything you need to know

If you’ve been scrolling through kitchen designs or dreaming of updating your bathroom to something a little more modern, you aren’t alone. According to recent data, more Kiwis are choosing toRead more

How will the war in the Middle East affect my interest rates?

It’s mid-March 2026, and if you’ve been keeping half an eye on the news, you’ll know there’s a fair bit going on both globally and locally. We’ve had talk of oil shortages, ongoing conflictRead more

Rates and OCR update - March 2026

The final OCR announcement of 2025 dropped to 2.25% and most recently on 18 February 2026 has been held. Most economists agree we’ve reached the bottom of the rates cycle and there will be a periodRead more

What does a mortgage adviser do?

Buying a home is one of the biggest financial decisions many of us make, and figuring out how to finance it can be overwhelming. That’s where a mortgage advisor comes in. Simply put, a mortgageRead more

Over 50 and buying property? Here's what you need to know about home loans

For many, the dream of owning a home doesn't retire at 50. In fact, entering the later stages of life can be an ideal time to reassess financial portfolios, consider investing in property, or evenRead more
 

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