Buying a home is one of life’s most exciting milestones. But between interest rates, lending rules and different ways to structure your home loan, the mortgage process can quickly feel overwhelming.
That’s where a mortgage adviser comes in.
Our job is to walk alongside you through every step of the journey, helping you make informed decisions with confidence. Read on to learn more.
How can a mortgage adviser help you?
Put simply, a mortgage adviser works for you, not the lender. We’re here to help you understand your financial position, explore mortgage options from a wide range of lenders (both banks and non-bank), manage the application process from start to settlement – and beyond.
Importantly, this service comes at no cost to you, because advisers are paid by the lender of your choice once the mortgage is drawn down. That means you get personalised support and expert guidance without the price tag.
Personalised advice that puts you first
Every borrower’s situation is different – and that’s why a cookie-cutter approach doesn’t work when it comes to mortgages.
Mortgage advisers know the market and have access to a broad panel of lenders. We take the time to understand your unique needs and recommend options that suit your situation.
Maybe you’re self-employed, have a smaller deposit, are exploring offset accounts or need help choosing between fixed-term and floating rates. Whatever your path, your Mortgage Link adviser is in your corner.
Navigate the mortgage maze with ease
From your first “how much can I borrow?” to the final settlement, there’s a lot to think about – and a lot of paperwork.
An experienced adviser helps take the pressure off by:
- Explaining what you can realistically borrow and what your repayments might look like.
- Clarifying lending criteria so you understand the fine print.
- Helping you prepare documentation and present your application clearly.
- Liaising with lenders on your behalf.
- Guiding you through pre-approval, approval, and final mortgage setup.
Instead of trying to chase down details on your own, you’ve got someone who knows the system and can guide you through it.
Get more options
Because we have strong, ongoing relationships with lenders – and know exactly how to position your application – we can often negotiate terms that are more aligned with your goals. We also know which lenders are more likely to support specific needs, like low-deposit buyers or those with complex income streams.
And beyond mortgage rates, we will help you think long term, including how to structure your mortgage for future flexibility and to minimise overall interest costs.
Support that doesn’t stop at settlement
Mortgage advisers stay with you for the long run.
Life changes. Interest rates change. And your mortgage should evolve with your circumstances. Whether it’s time to refix your loan, revisit your repayments, or look at borrowing for renovations – your trusted Mortgage Link adviser can provide advice and options when you need them most.
Your mortgage, your confidence
Your mortgage is likely the biggest financial commitment you’ll ever make. By having the right guidance – someone who not only understands the market but takes the time to understand you – you'll feel more confident, better informed, and less stressed throughout the process.
Ready to take the next step? Get in touch with a Mortgage Link adviser today. No jargon, no pressure – just personalised guidance you can trust.
Link Financial Group Ltd trading as Mortgage Link and Insurance Link FSP 696731 holds a licence issued by the Financial Markets Authority to provide financial advice. Please visit https://mortgagelink.co.nz/available-disclosure/ for more information and Disclosure information.
