My Mortgage Podcast: Recent Episodes
My Mortgage
The Team at My Mortgage are all about making it easy to buy your first home, so we’ve put together some conversations where Claire & Greg talk about the process and share some of our top tips to help you on your journey.
In this episode of the My Mortgage Podcast, Claire and Greg discuss different ways to earn rental income. They cover Long-term rentals, Airbnb, and renting by the room, explaining how each option affects your property's value and bank considerations.
They also share tips for involving others in property investments, covering the pros, cons, and important things to consider. Tune in for practical insights on making the most of rental strategies and joint property ventures.
Click here to read the full show notes for this episode.
In this episode of My Mortgage, Claire and Greg unpack the various roles of professionals pivotal in steering property investment success. Learn about mortgage advisors, accountants, solicitors, property managers, surveyors, and more.
Discover the crucial insights into legal frameworks, tenant management, and the power of relationships with industry experts. Learn the art of leveraging professional advice while aligning it with individual investment goals for a successful journey in the property market.
Click here to read the full show notes for this episode.
In this episode of the My Mortgage Podcast, Claire and Greg explore the nuances between new builds and existing properties, offering insights into the financial considerations, tax implications, and deposit requirements for each.
From strategies to add value through renovations to navigating the allure and challenges of cheaper locations, this episode provides a comprehensive guide for homeowners looking to invest in the property market.
Click here to read the full show notes for this episode.
In this episode of the My Mortgage Podcast, Claire and Greg are diving into investment
structures and ownership setups.
Learn how different ownership structures impact borrowing capacity and discover strategies to optimise lending across multiple banks, while considering the implications of interest payment types on long-term financial goals.
Click here to read the full show notes for this episode.
In this episode of the My Mortgage Podcast, Claire and Greg delve into the ins and outs of
serviceability in property investment.
Learn what truly makes a property purchase affordable and learn about strategies to optimize your borrowing capacity.
Click here to read the full show notes for this episode.
We're back for Season 2!
In this episode of the My Mortgage Podcast, Claire and Greg explore the reasons behind
investing in property. They delve into leveraging opportunities, the symbiotic
relationship between tenants and landlords, and alternative investment avenues
beyond real estate.
Click here to read the full show notes for this episode.
This episode is all about making offer on properties. We discuss:
- What is making an offer?
- Conditions (finance, LIM & Building reports)
- Deposits & Timeframes
- Auctions
- How much should you offer?
Click here to read the full show notes for this episode.
This episode is all about buying into someone else’s property! We discuss:
- In what situations this happens
- Establishing the value of the property
- Whether you can use your KiwiSaver
- When the timing is right
- The loan application
- Legal advice
Click here to read the full show notes for this episode.
This episode we talk about townhouses and turnkey builds - what they are, how they’re different from other builds, and how to fund them! We discuss:
- The definition of a townhouse
- The difference to other properties
- Payment structures
- Build overruns
- Deposits & new build exemptions
- Timeframes and sunset clauses
Click here to read the full show notes for this episode.
This episode if all about the process from unconditional day to settlement day, some of the terms we use and decisions you’ll have to make to ensure your home loan works for you. We discuss:
- What happens after you ‘go unconditional’
- Loan Structure
- Interest rates
- Cash contribution/cash-backs
Click here to read the full show notes for this episode.
This episode we talk about all the bits and pieces you need to know once you have a loan approval.
- What a mortgage actually is
- Tips & tricks
- Different types of properties
- How to solve problems
- How to pay your deposit
Click here to read the full show notes for this episode.
This episode we talk about how to get a loan approval. We cover:
- Servicing
- Test Servicing Rates
- What the bank needs so much information!
- The difference between banks
Click here to read the full show notes for this episode.
In this episode, we outline the different people that make up your home buying team! We break down who you need, and what they do!
- Mortgage Advisors
- A Solicitor or lawyer
- An Accountant
- Real Estate Agents
- A Registered Valuer
- A Building inspector
- An Insurance Expert
Click here to read the full show notes for this episode.
This episode is all about how family can help you with your first home purchase. We discuss:
- Parental guarantees
- The Springboard Loan
- Joint ownership
- A loan for deposit
- Gifting
- Family sales
Click here to read the full show notes for this episode.
In this episode, we cover what you need to know if you’ve got less than a 20% deposit for you home loan.
- The low equity margin and premium
- Valuations
- Servicing requirements and the factors that influence agreements
Click here to read the full show notes for this episode.
Welcome to the first episode of the My Mortgage Podcast!
This episode is all about the government backed first home buying assistance schemes. We discuss:
- The First Home Loan
- The First Home Grant
- Kiwisaver
Click here to read the full show notes for this episode.
The Team at My Mortgage are all about making it easy to buy your first home, so we’ve put together some conversations where Claire & Greg talk about the process and share some of our top tips to help you on your journey
Wherever you’re at, you can get in touch with our friendly, easygoing Team and get some advice tailored just for you. At My Mortgage, we never say “no”, only “here’s the plan” and we’re happy to take the time to take you through the process and make it easy.
My Mortgage – making home loans more fun and less boring since 2012.