Mortgage Link Taupo

Mortgage Link Taupo Taupo's longest operating mortgage and loan specialists, 'Linking People With Money' since 1994. Contact us today!

Whether you are a first home buyer, looking to refinance for renovations, or looking for futher investment property, we look forward to talking through further details with you. A no cost, confidential service where we assist in arranging loans for our clients. Home loans, Business loans, commercial loans and personal loans. We are paid by the lenders, upon approval of your required lending. We of

fer our many years of knowledge and experience that will ensure you are offered the most appropriate options for your individual circumstances and competitive rates available from banks and other lending institutions We always keep in mind our goal of helping fellow Kiwis and residents to make smart financial decisions that will save them both time and money.

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

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 aware 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 aware 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.

Address

49 Heuheu Street
Taupo
3330

Opening Hours

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

Telephone

+64 7 3788556

Website

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