Mortgage Link

Mortgage Link Sharing the experience with you of buying your first home or taking that giant leap on to the invest

Mortgage Link was one of the first mortgage adviser groups to be established in New Zealand and played a vital part in the development of the industry. Founded in 1994 Mortgage Link was also instrumental in setting up the industry association, the New Zealand Mortgage Advisers Association. It was in the company’s first home at the top of the South Island in New Zealand’s sunshine capital, Nelson t

hat the philosophy of the Mortgage Link Group was forged – a national network of independently owned and operated mortgage advisory firms operating under one umbrella. With specialist support that supplies and maintains the software system, Mortgage Link advisers keep on top of current trends and have access to continually updated software. Each Mortgage Link adviser is an independent business owner operating under licence to Mortgage Link (NZ) Limited. The company provides its licensees with lender agreements and relationships, brand development and support, business and advisory systems including our specialist Bizware software, and general support to allow our business owners to compete and succeed in their local markets. We make no excuses that we take professional development within the group seriously, with changes to legislation and the need for our advisers to be providing professional and competent advice to clients, Mortgage Link supports learning through many mediums and forms. Continued professional development is a key objective for all members of the group. Each Mortgage Link business owner and adviser is requested to be competent (according to regulatory requirements) to invest in on-going training and to hold appropriate insurance cover. Link Financial Group 2022 Ltd (FSP1004590) holds a licence issued by the Financial Markets Authority to provide financial advice. Link Advisory Services Limited t/a Mortgage Link (FSP1004651) is authorised by that licence to provide financial advice.

Home means something different to everyone. What does it mean to you? 💙More space for a growing family? A fresh start? O...
25/05/2026

Home means something different to everyone. What does it mean to you? 💙

More space for a growing family? A fresh start? Or simply a place to call your own?

💬 Get in touch – let’s talk it through.

False - getting approved is just the start. 😊Your Mortgage Link adviser is in your corner long after settlement - helpin...
18/05/2026

False - getting approved is just the start. 😊

Your Mortgage Link adviser is in your corner long after settlement - helping you refix, adjust your mortgage structure if life changes, and secure lending for your next property move.

💬 Get in touch. We're here for the long haul.

Moving from your first home to your next one? If you’re ready to make your next property move, here’s what you need to k...
11/05/2026

Moving from your first home to your next one?

If you’re ready to make your next property move, here’s what you need to know about deposit rules, KiwiSaver and lending criteria.

💬 Get in touch with a Mortgage Link adviser to talk through your options.

When it comes to deciding where to put your money, where do you start?Paying off your mortgage faster saves you on inter...
04/05/2026

When it comes to deciding where to put your money, where do you start?

Paying off your mortgage faster saves you on interest. But building your nest egg matters too. The key is finding the right balance for your budget and goals.

🏡 A Mortgage Link adviser can help with the lending side of things.

📈 For KiwiSaver or investment guidance, our sister company Invest Link can help too.

💬 Get in touch to learn more.

False - you don’t always need a 20% deposit to buy your first home.🏡 A 20% deposit can position you as a lower-risk borr...
27/04/2026

False - you don’t always need a 20% deposit to buy your first home.

🏡 A 20% deposit can position you as a lower-risk borrower, unlocking more competitive rates and helping you avoid low-equity fees.

💡 But buying with less can still be possible. From low-deposit lending products (around 10%) to Kāinga Ora First Home Loans (from 5% deposit), you may have options.

💬 Get in touch for a chat - we’ll help you figure out what’s available.

So, your life has changed, but your mortgage hasn’t kept up?There might be more options than you think, depending on you...
20/04/2026

So, your life has changed, but your mortgage hasn’t kept up?

There might be more options than you think, depending on your unique situation and goals.

The key is not leaving it too late. Talking early on with your Mortgage Link adviser can help you feel back in control.

💬 Get in touch for a chat!

A quick check-in could help you simplify things, stay on top of changes, and even reveal opportunities you didn’t know w...
13/04/2026

A quick check-in could help you simplify things, stay on top of changes, and even reveal opportunities you didn’t know were there.

💬 And the best part? You don’t have to do it alone. We’re here to talk it through.

With another OCR decision coming up tomorrow, you might be wondering: why does it matter?In a nutshell:🔹 The OCR is the ...
06/04/2026

With another OCR decision coming up tomorrow, you might be wondering: why does it matter?

In a nutshell:
🔹 The OCR is the “wholesale” interest rate set by the Reserve Bank of NZ – essentially what banks pay to borrow, which influences the rates offered to borrowers and savers.

🔹 When the OCR changes, floating mortgage rates usually move quickly, while fixed rates are shaped by expectations of future OCR movements and global market trends.

🔹 The RBNZ reviews the OCR seven times a year, including tomorrow (8 April 2026). As of today, it sits at 2.25% – its lowest since mid-2022. [Source: Past monetary policy decisions - rbnz.govt.nz]

💡 No one can predict exactly where rates are heading, but understanding how the OCR works can help you make more informed mortgage decisions.
For example, some borrowers choose to spread risk by splitting their mortgage across different fixed terms.

💬 Want to talk it through? Get in touch.

When it comes to your mortgage, there’s no one-size-fits-all answer.🔹 If certainty is your priority, a fixed rate can pr...
23/03/2026

When it comes to your mortgage, there’s no one-size-fits-all answer.

🔹 If certainty is your priority, a fixed rate can provide predictable repayments for a set period.

🔹 If flexibility matters more, a floating (variable) rate may allow you to make extra repayments without limits.

🔹 And in some cases, a split loan could offer the best of both worlds – part fixed for stability, part floating for flexibility.

💬 The right structure depends on your goals, cash flow and future plans. Not sure what suits you best? Let’s talk.

Less house, more freedom? If the kids have moved out – or you’re simply ready for a change – it might be time to plan yo...
16/03/2026

Less house, more freedom?

If the kids have moved out – or you’re simply ready for a change – it might be time to plan your next move.

We can help you navigate your mortgage options, from using equity for your next property to restructuring your loan. And if your insurance needs a review, Insurance Link can assist with that too.

💬 Ready to take the next step? Let’s talk.

Address

Unit D 1-1 Antares Place Rosedale
Auckland
0632

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

0800 466 784

Alerts

Be the first to know and let us send you an email when Mortgage Link posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Mortgage Link:

Featured

Share