New announcement. Learn more


We'll be in touch soon!

From the My Mortgage Blog

Fixed Rates vs. Floating Rates: Choosing the Right Mortgage Option for You

Fixed-rate mortgages involve entering into an agreement with your lender—typically a bank—where you commit to paying a set interest rate over a specified period. In New Zealand, you can typicallyRead more

The Pros and Cons of Consolidating Debt Into Your Home Loan

Debt consolidation involves combining multiple debts into a single loan, typically your mortgage. This process can simplify your finances by consolidating payments into one, potentially lowering yourRead 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

Will my Coffee Habit affect my Mortgage Application?

Funnily enough, a question that has become quite popular over the past few years: "If I buy too much coffee, will I be able to get a mortgage?" The short answer is yes, and that's fantastic news forRead more

Rental strategies - is short or long term rental right for me?

In this episode of the My Mortgage Podcast, Greg and Claire delve into the realm of rental income options and explore diverse strategies for investment property success. From long-term rentals toRead more

Navigating Home Loan Financial Hardship: How Banks Can Offer Relief

Financial challenges can arise for anyone, whether due to rising interest rates, job loss, illness, or changes in family dynamics. During these tough times, understanding your options for financialRead more

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

In 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

Professionals you need on your Property Investment Team

In this episode of the My Mortgage Podcast, Greg and Claire uncover the important role of professionals in shaping a successful investment strategy. We start by talking about the role of mortgageRead more

Landlords: Why Selling Your Investment Property to Tenants Could Be Your Best Move

As a landlord, the prospect of selling your investment property comes with several considerations, especially with the upcoming changes to the bright line test on July 1, 2024. This shift, reducing tRead more

What type of investment property is right for me?

In this episode of the My Mortgage Podcast, we're exploring the nuances between new builds and existing properties, navigating renovations, and understanding location dynamics. We're kicking offRead more

Reserve Bank changes - what you need to know about DTI's and LVR's

The Reserve Bank made some changes as of May 28th, 2024 regarding Debt-to-Income ratios (DTI's) and Loan-to-Value ratios, which is the percentage of a property's value that the bank can lend up to.Read more

Structuring your investment property purchase

In this episode of the My Mortgage podcast, Claire and Greg are diving into investment structures and ownership setups, exploring how they impact your borrowing ability and property ownership. WeRead more

This product has been added to your cart