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From the My Mortgage Blog

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

CASE STUDY: Kainga Ora Working Its Magic

June 16th 2025Getting into your first home with less than a 20% deposit can feel tricky—but with the right lender and product, it can also be totally achievable. Our client came to us looking to purchase theirRead more

CASE STUDY: One Has Used KiwiSaver and The Other Hasn't

June 15th 2025Buying a home is exciting—especially when it marks the first home for one partner and a fresh start for the other. But when there’s also a property on the market, a flexible lending approachRead more

Discharging a mortgage

June 13th 2025We often work with clients who have multiple properties or who are restructuring their portfolios. One tool that can be incredibly useful in these situations is something called a discharge ofRead more

How much does a mortgage adviser cost

June 13th 2025One of the most common questions we’re asked is, “How much do you charge?” The great news is that working with us won’t cost you a cent. That’s because we’re paid by the bank once a loan Read more

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