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From the My Mortgage Blog

Case Study - Why a "No" from the Bank isn’t Always the Final Word: The $200k Equity Oversight

April 14th 2026A long-term Westpac client wanted to take advantage of the 0% Good Energy Loan to purchase an EV. They had strong income and a solid repayment history. However, when they went direct, the bank declinRead more

A guide to break fees: How they are calculated and when to pay them

April 7th 2026The New Zealand mortgage market has been on bit of a rollercoaster lately. After a period of reasonably aggressive easing throughout 2025 that saw the Official Cash Rate (OCR) drop to 2.25%, someRead more

ANZ’s new 2.50% Renovation Loan: Everything you need to know

April 7th 2026If you’ve been scrolling through kitchen designs or dreaming of updating your bathroom to something a little more modern, you aren’t alone. According to recent data, more Kiwis are choosing toRead more

How will the war in the Middle East affect my interest rates?

March 19th 2026It’s mid-March 2026, and if you’ve been keeping half an eye on the news, you’ll know there’s a fair bit going on both globally and locally. We’ve had talk of oil shortages, ongoing conflictRead more

Rates and OCR update - March 2026

March 3rd 2026The final OCR announcement of 2025 dropped to 2.25% and most recently on 18 February 2026 has been held. Most economists agree we’ve reached the bottom of the rates cycle and there will be a periodRead more

What does a mortgage adviser do?

February 12th 2026Buying a home is one of the biggest financial decisions many of us make, and figuring out how to finance it can be overwhelming. That’s where a mortgage advisor comes in. Simply put, a mortgageRead more

Over 50 and buying property? Here's what you need to know about home loans

October 17th 2025For 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

Five signs it might be time to review your Mortgage and Interest Rates

September 26th 2025Life moves fast - and so do interest rates, property values and your own financial goals. A loan structure that was perfect two years ago may not be serving you today. Here’s how to know it’s timRead more

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

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