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From the My Mortgage Blog

Applying for a mortgage while on a fixed term employment contract - How does that work?

We commonly hear people say that it’s impossible to get a home loan when you’re on a fixed term contract but is that true? Read on to find out more!... Every situation is different when it comesRead more

I’m in a trial period - Can I apply for a home loan?

It’s less common these days to see trial periods in employment contracts since the law changed in 2018 to only allow employers with 19 or less staff to include trial periods. But the question doesRead more

The property I'm buying has unconsented work

After the flurry of purchasing in 2020 and 2021 where many people purchased properties without much due diligence, over the past 6 months we're starting to see more buyers conducting thorough checksRead more

Can I buy a house and renovate it?

In the last six months I've had numerous questions from first-home buyers who are eyeing up properties that are now available at a lower price due to their need for some tender loving care! There arRead more

Do lending amounts vary between banks?

One of the common questions we're asked is whether lending amounts vary between banks, and the answer is a resounding "yes".  We'll run through a few of the reasons behind these variations and whyRead more

How do I make an offer? Top tips for being successful

Property markets can ebb and flow and there are plenty of moving parts. Competition, price, conditions - what do these all mean and how can you be successful? We break down some of our adviceRead more

We're having a baby - what does it mean for our mortgage?

Congratulations! The arrival of a baby is a joyous occasion, filled with excitement, anticipation, and a whirlwind of preparations. Amidst the baby showers, nursery decorations, and prenatal classes,Read more

Tips for managing your home loan when times are tough

Life has a way of throwing curveballs at us, and sometimes, these challenges can make it difficult to manage our financial obligations. If you have a mortgage and are facing tough times, don'tRead more

Revolving Credit vs. Offset - which is best for me?

When it comes to managing your mortgage, you've likely heard of revolving credits and offset loans. Maybe your sister, colleague or parent has recommended it as a great mortgage structure. But do youRead more

Kainga Ora First Home Loan - am I eligible?

The First Home Loan scheme has been around for a while, but until mid-2022, plenty of people didn't know about it because it had some tricky price caps which were difficult for first home buyers toRead more

Buying with my parents - intergenerational living & home lending

Intergenerational living refers to multiple generations of a family choosing to live under the same roof. This could be parents and their adult children, or even extended family members like aunts,Read more

ANZ Blueprint to Build Version 2.0 2023

ANZ originally announced its Blueprint to Build in 2021 as a way to support the construction industry and help people to build new homes. You can read about the specifics of it here. Right from theRead more

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