Mortgage Link

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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 that 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.

Looking at buying or selling property soon? This little guide's for you.Learn about the four main sale methods in NZ and...
12/10/2026

Looking at buying or selling property soon? This little guide's for you.

Learn about the four main sale methods in NZ and how to approach each one.

And don’t forget about the finance side. As always, we’re here to help you make well-informed decisions.

💬 Talk to your Mortgage Link adviser today.

Are you on a fixed-term mortgage rate? It’s worth knowing what break fees could cost you.A break fee may apply  when you...
05/10/2026

Are you on a fixed-term mortgage rate? It’s worth knowing what break fees could cost you.

A break fee may apply when you end your fixed-term mortgage early or pay it down too quickly. Two common scenarios:

💡 Paying extra on your fixed-term mortgage beyond your lender’s allowed limit.
💡 Selling your property and repaying the mortgage before your fixed term ends.
The amount depends on your lender and how interest rates have moved since you fixed.

💬 Want to learn more? Your Mortgage Link adviser is here to help you understand your mortgage conditions and avoid unexpected costs.

We thought we’d leave this here… a few things worth ticking off before spring gets away on you. 📌  Save this for the wee...
28/09/2026

We thought we’d leave this here… a few things worth ticking off before spring gets away on you.

📌 Save this for the weekend.

The moment your bid wins, you’re in a legally binding contract.This means you can’t pull out if your finance falls throu...
21/09/2026

The moment your bid wins, you’re in a legally binding contract.

This means you can’t pull out if your finance falls through, negotiate the price afterwards, or rely on a cooling-off period to change your mind.

General pre-approval isn’t enough either. Your lender needs to sign off on the exact property before auction day.

💡 The solution? Loop your adviser in as soon as you've got an address.

We can fast-track your application with the lender and, if possible, push for urgency when time is tight.

Anything we haven't covered? Get in touch — we'll be happy to answer any of your mortgage questions.
14/09/2026

Anything we haven't covered? Get in touch — we'll be happy to answer any of your mortgage questions.

If you’ve been waiting for a sign, the latest Cotality analysis might be it. Nationally, mortgage repayments now take up...
07/09/2026

If you’ve been waiting for a sign, the latest Cotality analysis might be it.

Nationally, mortgage repayments now take up around 40% of the gross household income. That’s down from a peak of 54% in late 2021.

House values have also eased to 6.7 times the median household income, compared to 9.8 times at the market’s height (also late 2021).

Still not easy. But a very different picture to a few years ago.

💬 Want to know how much you could borrow? Get in touch with a Mortgage Link adviser.



Source: Cotality analysis, August 2026

One size - or one bank - doesn’t fit all when it comes to mortgages. There’s a lot more choice out there.Your Mortgage L...
04/09/2026

One size - or one bank - doesn’t fit all when it comes to mortgages. There’s a lot more choice out there.

Your Mortgage Link adviser can help you compare your options across multiple lenders, so you’re not stuck with just one outcome.

That could mean a more competitive rate, a purpose-fit mortgage structure, or terms you may not have found on your own.

💬 Book a chat today and let’s find the right solution for your needs.

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.

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

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