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From the My Mortgage Blog

Should I Talk to a Budgeting Specialist or a Mortgage Adviser First?

September 9th 2025 We get this question a lot, especially from first home buyers just starting to think about how to get into the market. "Should I talk to someone about budgeting and saving first, or go straight tRead more

Will the Bank Judge Our Jobs? What Your Career Says to a Lender

September 9th 2025We had a great question from a first home buyer recently: “My partner works in hospitality and I’m in accounting. Will the bank look at his job history and think it’s risky? Does your jobRead more

Buying Your First Home Later in Life – Is It Still Possible?

August 1st 2025If you’re over 40, juggling a few kids, and trying to get through work demands it’s easy to feel like you’ve “missed the boat” when it comes to buying your first home. Add in a smallRead more

Mortgage Adviser vs Bank – Which Should You Choose for Your First Home Loan?

August 1st 2025You’ve got your deposit sorted (nice work!) and you’re ready to take the next step towards buying your first home. Now comes the big question – do you go straight to your bank, or talk to aRead more

Why It’s Harder to Buy at Auction with Less Than a 20% Deposit (but not impossible!)

July 1st 2025Buying your first home at auction can feel exciting—but if you’ve got less than a 20% deposit, it can also be a lot more complicated. At My Mortgage, we often work with first home buyers who areRead more

CASE STUDY: Buying With A Sibling

June 25th 2025Buying a home with a sibling can be a smart way to get on the property ladder—especially when you’ve both worked hard to build up savings and KiwiSaver. That’s exactly what we helped these two Read more

CASE STUDY: Using Property Equity For Business

June 24th 2025Sometimes your home can do more than just give you a place to live—it can help you take the next big step in your career or business too. This client came to us looking to review their lending withRead more

Low equity margins

June 22nd 2025When you're buying your first home or entering the market with a smaller deposit, you might come across the terms Low Equity Premium (LEP) or Low Equity Margin (LEM). These are extra costs that banksRead more

CASE STUDY: Moving On With Confidence

June 21st 2025A relationship separation brings a lot of emotional and financial change—and for many, one of the biggest questions is what to do about the property. For this client, it was about finding a clearRead more

New Vs. existing bank customers

June 20th 2025We often get asked: "Is my current bank still the right choice for me?" It's a great question—and one worth exploring, especially when you're thinking about refinancing or re-fixing your loan.Read more

CASE STUDY: An Investment and A Renovation

June 18th 2025One of the smartest moves in property ownership is knowing how to make your equity work for you—especially after buying a new home. That’s exactly what this client did when they came to us ready Read more

CASE STUDY: When You Can't Access Kainga Ora

June 17th 2025Sometimes, getting the right lending approval isn’t about waiting for the perfect time—it’s about moving forward when everything aligns just enough. This client came to us looking to buy theirRead more

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