Quality mortgage advice for your property journey
Buying your first home?
Purchasing your first home is so much more than checking out a few properties; it’s about planning a future, and most importantly, it’s one of the biggest financial commitments you’ll ever make.
If you’re on a house hunt, please keep us in mind. Careful planning and sensible mortgage advice can take the stress out of the process and make your first step on the property ladder a secure one.
Our Mortgage Link advisers are here to answer your questions, including:
- How much deposit do I need?
- What will the repayments be?
- What’s the most appropriate mortgage structure for my circumstances?
Time to move into your next home?
Whether you have outgrown your first home, looking to downsize, or simply buying another home – there are a few more things to consider when buying a house second time around.
Changes in the market since buying your first home may mean an array of new mortgage offers from lenders to consider. This makes it the perfect time to review your mortgage and make sure you are getting the best deal possible!
Our Mortgage Link advisers will also be able to answer any further questions you may have such as:
- whether you should sell or buy first
- whether you will need a bridging loan
- what will happen to your existing mortgage when you make the move.
Starting or expanding your investment property portfolio?
If you’re considering purchasing your first rental property or adding to your existing property portfolio, please don’t hesitate to contact us.
As mortgage advisers, we can help you ensure your investment finance is suited to your budget along with the future needs of your investment strategy, by answering questions like:
- Do I need a deposit or can leverage the equity in my existing home?
- How do I structure my mortgage to take advantage of the current tax laws?
- What’s the best-suited interest rate for my rental property?
Please contact our Mortgage Link advisers to navigate the complexities of property investment finance with confidence.
Thinking of renovating?
Making improvements to your property is a great way to create the home you’ve always wanted, as well as increasing the value of your home. A great way of funding these alterations may be by topping up your mortgage.
The size of your renovation project and the cost involved are important factors in determining which loan will best suit your needs. A Mortgage Link adviser will be able to advise which of the below options is most suitable as well as being able to advise what you are able to borrow and what your repayments might be. We can then guide you through the process, allowing for a much more enjoyable and less stressful home renovating experience.
- Redraw Facility
- Equity Loans
- Loan Top Ups
- Renovation/Construction Loans
Looking for your dream holiday home?
It is the quintessential Kiwi dream to have a holiday home to escape to and create wonderful memories, but before jumping into buying your new bach it is important to consider the extra costs involved and make sure that your dream does not turn into a financing nightmare.
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. We 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 from the ground up?
Building from scratch can not only allow you to create your dream home to suit your family situation and desired lifesyle, but also help you avoid the arduous house hunting process.
Another benefit for first time buyers 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.
Whilst the process of building a home can be full of fun, excitement and give you a sense of achievement it can also be stressful and end up costing more than expected. Mortgage Link Advisers are experienced at finding the right construction finance for your build. They will make the process a much more smooth and enjoyable experience and are available to help you through the process from explaining the different types of loans available, what paperwork is required, finalising the loan approval, through to ensuring the progress payments work smoothly.
Growing your business?
We are here to try and help you achieve your business growth goals and make a profit from your commercial investment! Whether you need finance for cash flow management, investment funding, expanding your operations or the purchase of a commercial property, we can help you secure the funds to do so.
A Mortgage Link Adviser has the knowledge and experience to understand the different commercial and business loan options and features available. We are able to negotiate on your behalf to secure the best terms, conditions and pricing structure available from our large panel of lenders to create a personalised plan to suit your needs.
Could equity in your home 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 maintain your standard of living and quality of life by releasing some of the equity out of your home without having to move.
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.
Mortgage Link can help you get your personal finance and insurance requirements sorted. Our team of talented, enthusiastic people are committed to providing you with the most comprehensive and tailored solutions to meet your needs. We can also help you with:
- Refinancing and refixing your mortgage
- Debt Consolidation
- Personal Loans
- Business and Personal Insurance
- Fire and General Insurance