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.

And that mistake is... ignoring their mortgage structure.Many people focus on getting the lowest interest rate, but over...
24/08/2026

And that mistake is... ignoring their mortgage structure.

Many people focus on getting the lowest interest rate, but overlook the fact that their mortgage structure has options.

If you want to pay off your home loan faster and build in more flexibility, there are other features worth exploring: offset accounts, split loans, revolving credit facilities and more.

Not all lenders offer the same features, and criteria vary widely. That's why it pays to compare across multiple lenders, something we're always happy to help with.

💬 Want to find the right mortgage structure for your situation? Get in touch: we'll make sure your home loan is working as hard as you are.

Buying, selling or refinancing? In some cases, your lender may ask for a Registered Valuer's Report. A registered valuat...
17/08/2026

Buying, selling or refinancing? In some cases, your lender may ask for a Registered Valuer's Report.

A registered valuation is an independent assessment of what a property is worth. Lenders use it to make more confident lending decisions, and it happens more often than you'd expect.

Common scenarios include:
🔹 Buying with a low deposit
🔹 New builds (construction or turnkey)
🔹 Non-standard properties
🔹 Private sales
🔹 Refinancing
🔹 Renovations funded through your mortgage

💬 Not sure if your situation calls for one? Get in touch: we're here to help.

The Official Cash Rate went up last month. Are you across what that may mean for you? Here's a quick breakdown. 💬 Have a...
10/08/2026

The Official Cash Rate went up last month. Are you across what that may mean for you?

Here's a quick breakdown.

💬 Have a read. And if you have any questions about your mortgage - we’re here to help.

Before you write off the idea of buying your first home, let's look at the numbers together.You may not need a 20% depos...
03/08/2026

Before you write off the idea of buying your first home, let's look at the numbers together.

You may not need a 20% deposit.

Your KiwiSaver savings might contribute toward it, and there may be grants or schemes available depending on your situation.

And sometimes, all it takes is a few changes to your saving habits.

💬 Get in touch for a tailored look at your circumstances.

Unlike banks, a mortgage adviser compares options across multiple lenders (including your bank) to find what suits you. ...
27/07/2026

Unlike banks, a mortgage adviser compares options across multiple lenders (including your bank) to find what suits you.

✅ We do the legwork so you don't have to.
✅ We know what each lender is looking for, so your application is as strong as possible.
✅ We’re with you beyond approval - for refixes, reviews and whatever comes next.

And in most cases, it costs nothing. We’re paid by the lender you choose, not by you.

💬 Thinking about your mortgage options? Let's talk.

When you’re self-employed, mortgage applications work a little differently. Lenders will want more detail to verify your...
20/07/2026

When you’re self-employed, mortgage applications work a little differently.

Lenders will want more detail to verify your income, including:
✔ 2 years of financial statements
✔ Matching tax returns
✔ Evidence of ongoing contracts or revenue

If your business is newer or your income varies, there are still options. It just takes a bit more planning.

💬 Thinking about applying? Get in touch early. The sooner we understand your situation, the sooner we can help you put your best foot forward.

Is your mortgage rate about to expire? Take a moment to look at the bigger picture.The lowest rate is tempting, but refi...
13/07/2026

Is your mortgage rate about to expire? Take a moment to look at the bigger picture.

The lowest rate is tempting, but refixing is really about choosing a term that fits your goals and plans.

💬 Need a sounding board? Get in touch, we’re here to help.

The deposit is just one part of the picture, and it won’t always get you a bigger mortgage. Here’s why. Since July 2024,...
06/07/2026

The deposit is just one part of the picture, and it won’t always get you a bigger mortgage. Here’s why.

Since July 2024, NZ banks are also factoring in your debt-to-income (DTI) ratio: that’s the total of your debts (including your new mortgage) compared to your gross annual income.

For most owner-occupiers, that cap sits at 6 times your gross income. For investors, it's 7 times.

💡 Banks do have a little flexibility above these thresholds, but it's limited.

💬 Not sure how DTI applies to your situation? Get in touch. We’re always happy to help you understand your borrowing capacity and plan ahead.

Got a renovation project on your mind? Before the work begins, it's worth making sure your mortgage is part of the plan....
29/06/2026

Got a renovation project on your mind? Before the work begins, it's worth making sure your mortgage is part of the plan. 🏡

A few things to think about:
🔹 Structural changes may need your lender's sign-off before work starts
🔹 Funding the reno through your home equity? Your options will depend on your current lending setup
🔹 Renovation loans and top-ups work differently – knowing which suits you early can save time, stress and money

💬 Talk to your Mortgage Link adviser before you get started. We can help you understand your options and make sure everything's in order.

So the house hunt is over and you’ve found the one. Now it’s time to make your offer. 🏡Conditional or unconditional? Her...
22/06/2026

So the house hunt is over and you’ve found the one. Now it’s time to make your offer. 🏡

Conditional or unconditional? Here’s the difference:

🔹 A conditional offer gives you time to tie up loose ends – confirm your finance, get a building inspection done and more. If conditions aren’t met within the agreed timeframe, you may be able to walk away.

🔹 An unconditional offer is a much bigger commitment. Everything needs to be in order beforehand, including your mortgage.

💡 In a competitive market, some buyers may choose this route to make their offer more attractive to vendors. At an auction, on the other hand, you have no choice: if your bid wins, you go unconditional on the spot.

Either way, a sale-and-purchase agreement is a legally binding document. Always speak with your lawyer before you sign anything.

💬 Need help getting your finance sorted before you make your move? Get in touch — we're here to help.

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

Website

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:

Shortcuts

Featured

Share

Category