Mortgage Link Waikato

Welcome to Mortgage Link Waikato, located at 8 Karewa Place in Hamilton, New Zealand. We are an establishment that specializes in finance, providing a full risk management consultancy to ensure the best products and structures for you and your family.

At Mortgage Link Waikato, we understand that navigating the world of mortgages can be overwhelming. That's why we do the hard work for you, without the worry. Our team of expert advisers will explain the pitfalls, interpret the fine print, and fill out the forms on your behalf. We work with a wide range of lenders, including major banks, and negotiate to get the right mortgage for your needs.

Our commitment to you doesn't end once the loan is secured. We remain available to help you with any loan queries you may have in the future. Our goal is to save you time and money, and there is no extra cost for our service.

As part of the Mortgage Link network, our advisers have the knowledge, buying power, negotiating skills, patience, and experience to shop around on your behalf. We can provide you with expert advice on what is forecasted by the experts, giving you insight into the mortgage market.

In New Zealand, the mortgage adviser industry is well established, writing approximately 40% of all home loan business. Mortgage advisers offer choice, professional advice, and expertise. Unlike single lenders who have their own products to offer, we work to match your needs to the products of a large range of lenders. We act for you, not the lender.

Our national group's high volumes of loan business give us more influence to negotiate the best overall package for you. This includes fee reductions, interest rate discounts, contributions to legal costs, and reduced banking costs.

When you choose Mortgage Link Waikato, there is no extra cost to you as the client when purchasing a residential or investment property. The lender that approves your loan pays us for successful applications. If there is a need to charge a fee for any reason, we will always advise you before starting any work.

We are not aligned to any specific lender, which means we can help you sort out the positives and negatives involved with mortgage financing. Our recommendations are based on thorough research, experience, and knowledge. However, the final decision on who you wish to borrow from will always be yours.

We understand that each lender has vastly different criteria. While you may not qualify with one bank, you may easily fit the criteria of another. We are aware of these differences and can assist you in choosing the most appropriate lender for your individual circumstances.

Our team can estimate the cost of your loan based on factors such as the amount you wish to borrow, interest rates, house price inflation, and the loan's duration. This will give you a clear understanding of the financial commitment involved.

With a lifelong loan, you have the flexibility to make repayments at any time. Although you are not required to make payments during the life of the loan, you can choose to repay all or part of it whenever you wish.

If you decide to move to a new property, you can transfer the loan, provided you meet the lending criteria at the time. Just let us know in advance, and we will arrange for your new property to be valued.

Typically, the loan is repaid from the sale proceeds of your home. The loan becomes repayable when you permanently move from your home, usually upon passing away or moving into long-term care.

Trust Mortgage Link Waikato to guide you through the mortgage process, saving you time, money, and the stress of navigating the financial landscape. Contact us today to take the first step towards securing the right mortgage for you and your family.