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From the My Mortgage Blog

My fixed rate ends in 2027. Should I act now?

September 21st 2026I’m getting this question a lot at the moment, and it’s almost always from the same group of people - those with fixed rates rolling off between Christmas 2026 and mid-2027 They’re on ratesRead more

How much can we borrow? A straight answer for first home buyers.

September 21st 2026If you have spent an evening putting your income into a bank's online calculator, you have probably come away either quietly excited or quietly gutted. Either way, there is a good chance the number yRead more

Where NZ political parties stand on housing ahead of the 2026 election

September 21st 2026Now, before we kick into political chat, a quick disclaimer! This is a neutral summary for general interest. It's not financial or voting advice, and policies may change before election day. None ofRead more

The Mortgage Myths holding first home buyers back

September 10th 2026Most people who tell me they can’t buy a home yet are being held back by beliefs that simply aren’t the case anymore. They’re wrong, but in all the best ways! Last week, I had a great chat withRead more

How to choose your fixed term without trying to predict rates

September 3rd 2026Every time a fixed rate comes up for renewal, the same question lands in my inbox. How long should I fix for? And almost every time, the person asking has already been down a rabbit hole. They haveRead more

Waiting for the perfect time to buy?

September 1st 2026The conversations I’ve been having in the past few months have been increasingly “wait till” orientated. I’ll wait till… Interest rates come back down The market goes back up After theRead more

Rate Watch: What To Do Now - Part 3

August 25th 2026When rates are climbing, it's tempting to just keep your head down and hope things settle. That's exactly when a proper review of your mortgage pays off the most.Read more

What our local professionals have to say about the property market

August 22nd 2026I called twenty Waikato real estate agents from across the region to get their take on the market, and this is what I learnt. The property marketing isn’t tanking – and especially not locally –Read more

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

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