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From the My Mortgage Blog

Thrive in 2025 - our predictions for the year

January 13th 20252025 is shaping up to be a big year for Kiwi homeowners, buyers, investors, and mortgage holders. With economic shifts, evolving government policies, and new trends, here are my top five predictions.Read more

What should I do now the OCR has dropped?

November 29th 2024The OCR was dropped once again yesterday afternoon by 0.5% to 4.25%, and immediately most of the major trading banks have dropped their floating or variable rates. As of Friday 29th, no word yet onRead more

Should You Fix for 6 or 12 Months After the Latest OCR Cut?

October 24th 2024The Reserve Bank of New Zealand’s recent decision to cut the Official Cash Rate (OCR) by 0.50% has changed the game for borrowers. With more cuts predicted, many are left wondering: should you fixRead more

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

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