My Mortgage provides the best options, service, and advice on home loans and mortgages without using overly technical jargon or trying to cloud your judgment with gimmicks like a lot of the banks do... watch our videos to see what we mean.
If you're looking to buy your first, your second, or your tenth home, My Mortgage can help with the best advice and make the process simple and easy for you. Best of all, it's free.
We're here to work for you - & to have fun and enjoy doing it!
Hi, I saw your channel and I must say that it was really informative and well-made. But there are many errors in your channel. Due to which your channel is not growing fast and your channel will suffer. Did you find those errors? If you solve the error your channel will grow quickly. If you not do that please inform me.
The fixed rate on my mortgage (got using My Mortgage 😊) finished September 2021 & I had the option of fixing it again. There were so many choices and I spoke with Claire then went away to make my mind up. Did I go for shorterm option & hope whatever was going to happen would be over & done with by 12 months, or did I go longterm with the possibility I'd be paying more interest if nothing eventuated. There were already whispers of interest rate increases and possible recession and instead of going with the lowest but shortest option I took the long option. Fixed for 4 years with interest rate of 3.49%. I am sooo thankful I did because only a month or so later the interest rates started going up and more recently the cost of living. I am now trying to pay as much off the mortgage before October 2025 just in case! Thank you My Mortgage for being a sounding board when I wanted to talk through options.
Hey Eddie, there are price caps for the First Home Grant, but not for the First Home Loan - they're a bit different, happy to chat further about your situation if that helps, feel free to reach out to us 😀😀
@my mortgage ty for all the information. is there a website i can use to search for a registered valuer in my area. i have tried good and it only populates real state agents
You would want to get a valuation completed by one of the bank approved valuers so send an email through to Greg at office@mymortgage.co.nz and we can get a valuation organised through the banks systems so that we know the banks will accept it. They can be a little picky about how this part is done.
The Wendy. You are able to use the First Home Loan to be able to buy a property from a family member as mentioned in the video, yes. You do however need at least 5% of your deposit from genuine savings or KiwiSaver most of the time.
Hi there, today this conversation came into our family. Our neighbor is selling their house. we plan to buy it and my sister can get 90% housing loan but we dont have the balance 10% down payment. As per your video, is it possible my father sell our house to my sister instead, skip the down payment and bought our neighbor house with the cash is it practical and possible? 🙏🏻
Hi Habibul, Thanks for reaching out. Definitely something that we could look at and might be able to be done. Flick us on email on office@mymortgage.co.nz and put attention Greg as he is our expert here. Flick us the numbers and Greg can look at options for you.
If i have $20k in kiwisaver, can I use it all towards my first home less $1000 ? also I have joined kiwisaver in feb 2021, would I be eligible to withdraw under any scenario towards a first home ?
Hi Thejus, the best way to find out what you are eligible for is to contact your KiwiSaver provider as they will be able to provide a letter with how much you are able to use and when you can use it. Generally you need to be in KiwiSaver for 3 years before you are able to access the funds. Once you have those details, we can definitely look at options for you. Greg
Thanks for commenting and apologies for the delayed response. We don't disagree with you at all but unfortunately we don't have any control over the prices of house. There is definitely see the struggle of FHB's all the time but also have a lot of success with clients buying their first home in the right areas.
A have a question, can i use my kiwisaver for a deposit in Australia? I already have my kiwisaver her in australia. But I don't know anyone here in Australia that used it for this purpose. Thanks in a advance.
Hi Chris, interesting question. To be honest, not knowing the Australian system too well, we're not sure. I'd suggest you get in touch with an Australian mortgage broker and see what they think. The team at Haines Wilson (haineswilsonptyltd.smartonline.com.au/) are good people and Liam Wilson is a kiwi in disguise there!
Thanks for the upload, keep up the good work!! You need more views. Why don’t you use smzeus . c o m?? It will help you get your videos higher in the RU-vid search results!
