Own or work here?
Whether you are looking to upgrade, invest, refinance or buy your first home, Mortgage Link can help find a loan solution that suits your needs.
One of our experienced advisers can help tailor a mortgage deal specifically for you from our large panel of mortgage lenders around New Zealand, potentially helping you to save thousands in interest and in turn becoming debt free faster. They can guide you through the process, reducing the stress and informing you of any pitfalls such as undisclosed fees – and the best news is it won’t cost you a cent!
Ready to get started? Find an adviser now!
First Home
We are here to help you every step of the way!
Purchasing your first home is so much more than checking out a few properties! It’s about planning your future, and is likely one of the biggest financial commitments you’ll ever make. Whilst buying your first home can often feel daunting, we are here to guide you through the process.
One of our experienced Mortgage Link Advisers will navigate you through everything you need to know about the home buying process so that your experience of getting onto the property ladder runs as smoothly and as stress free as possible.
Next Home
Time to move onto your next property?
You might think that buying a property second time around would be easier than buying your first home, but often changing properties can be more complicated.
Your Mortgage Link Adviser will be able to help guide you on how the market may have changed since buying your first home and be able to find the best deals currently available to suit your needs from our large panel of lenders. They will also be able to answer important questions such as whether to sell or buy first, whether you will need a bridging loan and what happens to your existing mortgage when you make the move.
Investment Loans
Mortgage Link has access to a broad range of products and lenders to suit your investment needs!
Want to invest in property? There are a number of things you need to know when you are considering purchasing a rental property or building your property portfolio.
Investment loans range from simple home loans to more complex, out of the box solutions. When done right an investment property can offer both a reliable income and a tangible investment, but only if the work is put in initially to get the numbers to stack up. That’s where having expert advice comes in! The great news is that whilst having the right investment plan can save a bundle, it won’t cost you a cent to talk through your options with us.
Renovations
Thinking about borrowing to renovate your home?
Are you dreaming of a new kitchen, bathroom, carpet, or wanting to do a full-scale remodel of your home?
Making improvements to your property is a great way to not only create the home you've been dreaming of, but also increase the value of your home. A simple way to fund these alterations is to refinance your mortgage to increase the size of your loan.
Holiday Homes
Dreaming of owning your own holiday home?
It’s every Kiwi's dream to have a place to escape to, whether it’s a little hideaway in the mountains, or a bach by the sea.
Once you’ve found that dream place, it's important to work out how you will cover the ongoing costs of your new holiday home. Just as with any other home there will be insurance, rates, utilities, ongoing maintenance plus the cost of furnishings.
Often the mortgage costs can be covered by renting it out when you are not there, but to make this happen there are extra costs to consider such as cleaning and property management fees. It will also need to present well, be priced correctly and to fully maximize the rental income it will need to be available during the peak season which is unfortunately when you will probably be wanting to use it too!
A Mortgage Link Adviser will be able to look at the value of your existing property, the one you have your eye on and the amount of equity that you are holding to help determine whether you can comfortably afford a little slice of the Kiwi dream. Your adviser can then guide you through the available mortgage options and guide you through next steps. Those endless sea or mountain views may not be as far away as you think!
Building
There are numerous benefits to building a house rather than buying an existing property…
Many people dream of building their own home with a design that suits their family situation and desired lifestyle. A new build can help avoid spending weekends house hunting and instead that time can be spent creating your dream home!
A further benefit for new build home owners is that building a new home can provide a low deposit home loan option, as under current Reserve Bank LVR Rules you will only need a 10% deposit. These loans allow you to choose a section and house design and have it built using a fixed price contract to ensure costs do not overrun.
When you start the process of building a home there are a lot of decisions to make. Building a home can be fun and give you a sense of achievement but it can also be stressful and end up being more expensive than budgeted for if you are not careful. There are a number of different ways to build a house, all of which have their pros and cons. Some of the options include:
Refinancing or Refixing
Could you be saving thousands on your mortgage?
Once you have set up your mortgage with regular automatic payments being made, it can be easy to forget about it. It is important however, to regularly review and assess it over time to make sure it is working as effectively as possible as lifestyle or market interest rate changes affect your mortgage needs. Some of these changes may include:
-Finding a more competitive interest rate
-Accessing equity in your property
-Paying off your loan faster
-Consolidating debt
-Starting a family, and possibly reducing income
- Moving from a fixed to variable home loan rate or visa versa
Commercial
Businesses need finance for various reasons, from cash flow management, investment funding, expanding operations to financing the purchase of a commercial property …
At Mortgage Link we are here to help you achieve your business growth goals! In addition to having access to a large range of products and lenders to suit all business financing needs, a Mortgage Link Adviser has the knowledge and experience to understand the different commercial and business loan options and features available.
We will negotiate with lenders to provide the best possible terms, conditions and pricing structures to create a personalised financial plan to suit your business needs. Let us take the stress and hassle out of arranging your business finance!
Equity Release
Looking to use the equity in your home to help fund your retirement?
As the New Zealand population ages many Kiwis are retiring with mortgage free houses, but their personal savings and superannuation do not provide enough money to maintain their current lifestyle or allow for purchases such as home repairs, a new car or overseas travel.
Equity release mortgages, sometimes called Reverse Annuity Mortgages, are designed to help homeowners aged over 60, maintain their standard of living and quality of life by releasing some of the equity out of their home. It allows you to live a comfortable retirement, whilst continuing to own and live in your own home for as long as you choose. Cash is provided up front and repayment is made when you either sell your home, move to a rest home or pass away. Whilst this may sound appealing, there are often additional costs associated an equity release mortgage.
A Mortgage Link Adviser will be able to explain clearly how an Equity Release mortgage works, what the benefits and pitfalls are, advise on the best terms and recommend the best lender for your equity release needs. They are also there to walk you through any extra fees, property valuation and legal advice needed before completing the agreement. We are aware that this isn’t a decision that is made easily, and we are happy to meet with you to discuss if an equity release mortgage is the right option for you.
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