New announcement. Learn more

Buying your first home

Looking to buy your first home? You're in the right place!

Buying your first home can be a crazy mix of exciting and scary. There's a lot to learn and do!

The team at My Mortgage has helped thousands of Kiwis into their first home and we can help you too.

To get the ball rolling, where are you at?

I want to learn more

Watch the 9 part video series

What can I borrow?

Book a chat with an Adviser

Get me a pre-approval

Fill out our application form here

Sign up to our Mailing List

Get the latest news and regular tips from our specialist team about Buying your First Home

Check out our First Home Buyer Videos

Watch from our list of over 40 videos on our YouTube page, with all our tips and tricks to make the process easy

Get videos here

What our clients say about us

From the My Mortgage Blog for First Home Buyers

Intergenerational Home Buying & Lending: A Growing Trend in New Zealand

In recent years, a noticeable shift has emerged in New Zealand's property market: more families are choosing to buy homes together. This trend of intergenerational living isn't just about sharingRead more

Landlords: Why Selling Your Investment Property to Tenants Could Be Your Best Move

As a landlord, the prospect of selling your investment property comes with several considerations, especially with the upcoming changes to the bright line test on July 1, 2024. This shift, reducing tRead more

Tenants Buying from Landlords: A Strategic Move in 2024

With the recent changes to tax regulations coming in July 2024, many landlords are considering selling their investment properties. For tenants, this shift presents a unique opportunity to transitionRead more

Government Announcement - First Home Grant changes May 2024

The Government has decided to discontinue the First Home Grant, which was the support they gave to buyers who had contributed to Kiwisaver for at least 3 years, and who met certain criteria aroundRead more

Up-to-Date Financials for Business Owners buying residential property

A crucial aspect of residential home lending for business owners is the significance of keeping your business financials up to date. In recent years, banks have become increasingly stringent aboutRead more

Navigating Current Interest Rates: Why a Short-Term Fix Might Be Your Best Bet

At My Mortgage, we've been closely monitoring the current landscape of interest rates as of February 2024. With rates fluctuating between 6.4% and 6.9%, depending on the chosen term, we believe it'sRead more

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

Buying with Less than a 20% Deposit - What are the options in 2023?!

Purchasing a home is a significant milestone in many people's lives. However, securing the right financing option can often be challenging, especially for first-time homebuyers or those with limitedRead more

Co-Ownership - Buy with a friend or family member!

Over the last year as interest rates have risen along with the 'test rate' which banks use to assess your ability to service a mortgage we're finding we are having more conversations with clients aboRead more

Five things to think about when your home loan is coming up to its fixed rate rollover

For a long time now, it seems as if the Kiwi approach to refixing mortgages has been to simply refix at the lowest rate available at the time of rollover - Normally the 12 month rate! At a time whenRead more

Why can't I borrow as much as I want from the banks?

If you're in the market for a home loan, you might be surprised to find out that currently, the amount you can borrow from the banks is less than what you had in mind. There are several factors thatRead more

Book a time with an expert

For My Mortgage, home loans are all about people and stories, not numbers and dollars. By booking a time to speak with one of our expert team, we can give you free advice, guidance & what we think will be right for you as well as explain our mortgage repayment calculators. We can connect in person, via phone, online or email.

Whatever works best for you.

Book a time with a home loan expert

Loading...