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Link Home Loans

Link Home Loans is a privately owned New Zealand company that has specialist Home Loan products which are 100% underwritten by Pepper Money NZ Ltd.

Pepper Money is Australasia's largest Non-Bank Lender with Assets Worldwide in excess of NZD $85 Billion. They are a well-established second tier global credit provider who offers a range of flexible home loan solutions that cater to a diverse range of borrowers.

Link Home Loans has partnered together with Link Home Loans, who have a network of trusted advisers who can help tailor a mortgage deal specifically for you from our large panel of mortgage partners around New Zealand. Link Financial Group (LFG) has relationships with most of New Zealand`s main lenders as well as an extensive range of other providers in the lending industry. With its long history and measured, professional approach to lender relationships LFG is able to ensure clients have access to the most appropriate deal for their individual needs.

The Link Home Loans suite of home loan products can provide you with a confirmed loan offer within 24 to 48 hours following receipt, verification and acceptance of your formal application together with all supporting financial information. Where required, one free desktop Valocity Valuation per customer is also available via Link Home Loans on your chosen property (T&Cs apply)

What we offer


If you are looking for an unconditional loan offer within 24 to 48 hours, Link Home Loans is there for you. In fact, if you have been turned down by the main banks, you will want to have a chat with us, we may be able to help.

If you are happy to take the time, Mortgage Link has the experience and knowledge to ensure that you are offered the most competitive and appropriate options available from banks and other lending institutions. We have stood the test of time due to the fact that we go to the effort of understanding our client’s financial objectives, so that we are able to create a unique solution specific for their needs. We have always kept in mind our goal of helping Kiwis make smart financial decisions that will save both time and money. From the first home buyer through to the experienced investor, we look forward to talking through further details with you.

Your Barfoot & Thompson salesperson can arrange for an approved Mortgage Link Adviser to call you and obtain some key information to enable a Link Home Loans indicative loan offer to be presented to you within 15 to 30 minutes.

If you then wish to proceed to an unconditional loan offer, a formal application will need to be submitted to your preferred Lender together with supporting financial information. If an urgent answer is needed, a Kauri Land Money unconditional loan offer will be available within 24 to 48 hours once all documents are received, verified and accepted by the Lender. A Registered Valuation may additionally be required in certain circumstances. Your Adviser will discuss this with you during your initial interview stage.

On receipt of your unconditional loan offer you can proceed to purchase your preferred property up to the maximum funds you have available including your deposit + your loan offer.

If successful in your purchase, you will need to contact your Mortgage Link Adviser who will discuss the next steps in the process prior to settlement.

 We know that life is busy and you don't always have time but we will need you to work with us to ensure our turn around times. We will need an initial chat with you on the phone and run through some questions with you which will allow us to offer you and indicative home loan solution, interest rates and fees. This should take around 15 minutes but may take longer - up to 30 minutes.

Initial Questions

We will be asking basic questions around number of borrowers, loan details, property area, income and employment, combined expenses and limits on store cards, other loan commitments, any credit issues and will need your Privacy Consent to continue. We will now give you an indicative borrowing power. 

From here your information is sent through the system which includes a copy of your credit record from the Bureau. This leaves an enquiry on your credit file but does not impact your credit score. 

Wanting to get an unconditional approval?

  • Either your adviser can email you a Client Needs Analysis (CNA) link for completion by you or an initial Zoom meeting to complete the CNA. If you are in the Auckland area we can arrange an appointment to meet personally and complete. Whichever way, your adviser will need to "meet" you to confirm identity and of course it's always good to see the person you are working with.
  • You will need to sign a copy of the CNA as correct for  your adviser to continue to the mortgage application.
  • We will need paperwork for all borrowers, if employed - ID, 3 months bank statements, proof of income (payslips), loan commitment statements including credit cards etc. - your Adviser will email you a list.
  • Self employed - your adviser will request any additional information required. 
  • We will need the property address to arrange your free desktop valuation (one per client/s). Should you not be successful with the purchase, the following desktop valuation will be for your cost.
  • You will need to sign the application as correct and we can now send the application pack off to the Lender.

Kauri Land money and Mortgage Link are prepared to put in the hours to have your mortgage approved within 24 to 48 hours but we can only achieve this with you assisting us to do so. If it's important to you, it's important to us!



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