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From the My Mortgage Blog

Connecting People Through a Community

October 1st 2024The Junior Community Rugby Festivals provides a one day festival across six regions throughout New Zealand. On Sunday 14th August we held our 5th Junior Community Rugby Festival at Swarbrick ParRead more

Low Equity Margins & Premiums Explained: What You Need to Know

September 18th 2024When you're in the process of securing a home loan, particularly if you have less than a 20% deposit, you'll likely encounter terms like Low Equity Margins (LEMs) and Low Equity Premiums (LEPs).Read more

How to Navigate Interest Rate Fixing in August 2024

August 21st 2024As we navigate the ever-changing landscape of mortgage interest rates in August 2024, many homeowners are left wondering: What should I do with my interest rate fixed period? With recent drops in theRead more

What Does a Mortgage Advisor Do? A Comprehensive Guide

August 19th 2024Navigating the home buying process or securing a loan can be complex and overwhelming, especially with the variety of options and products available. This is where a mortgage advisor comes in—aRead more

Should You Pay Off Your Mortgage Early? Exploring the Pros and Cons

August 15th 2024Paying off your mortgage early is a common financial goal for many homeowners. The idea of being mortgage-free is undeniably appealing, offering freedom from monthly payments and the flexibility to uRead more

Exploring Joint Ownership: Buying a Home with Siblings, Family, or Friends

July 31st 2024The traditional approach to buying a home has often been to purchase it alone or with a partner. However, with changing financial landscapes and diverse living arrangements, many people are exploringRead more

Understanding Break Fees in Your Home Loan

July 31st 2024When dealing with mortgages, it’s essential to understand the potential costs that can arise if you need to change your loan terms. Two significant fees that often catch borrowers by surprise areRead more

Key Considerations When Refixing Your Mortgage

July 31st 2024Refixing your mortgage can be a crucial step in managing your financial health, especially in a fluctuating market. As interest rates shift and personal circumstances evolve, it’s essential to ensuRead more

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

June 27th 2024Fixed-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

June 25th 2024Debt 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

June 24th 2024For 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?

June 19th 2024Funnily 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

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