Mortgage Link

So the house hunt is over and you’ve found the one. Now it’s time to make your offer. 🏡

Conditional or unconditional? Here’s the difference:

🔹 A conditional offer gives you time to tie up loose ends – confirm your finance, get a building inspection done and more. If conditions aren’t met within the agreed timeframe, you may be able to walk away.

🔹 An unconditional offer is a much bigger commitment. Everything needs to be in order beforehand, including your mortgage.

💡 In a competitive market, some buyers may choose this route to make their offer more attractive to vendors. At an auction, on the other hand, you have no choice: if your bid wins, you go unconditional on the spot.

Either way, a sale-and-purchase agreement is a legally binding document. Always speak with your lawyer before you sign anything.

💬 Need help getting your finance sorted before you make your move? Get in touch — we're here to help.

When your family grows... your home and your mortgage should grow with it 🏡👶

Whether it’s adjusting to one income for a while, planning for more space, or trying to stay ahead financially, it’s worth taking a closer look.

👉 Swipe through for a few things to consider – and if you’d like to talk through your situation, we’re here to help.

A good credit score can make a real difference when applying for a mortgage. Do you know why?

Lenders use it to assess how reliably you manage debt and repayments. A stronger score may boost your chances of approval and help you access better loan terms.

💡 Want to check yours? You can request your credit report for free from Centrix, Equifax and illion. And you can always take proactive steps to improve it.

💬 Get in touch to learn more.

Home means something different to everyone. What does it mean to you? 💙

More space for a growing family? A fresh start? Or simply a place to call your own?

💬 Get in touch – let’s talk it through.

False - getting approved is just the start. 😊

Your Mortgage Link adviser is in your corner long after settlement - helping you refix, adjust your mortgage structure if life changes, and secure lending for your next property move.

💬 Get in touch. We're here for the long haul.

Moving from your first home to your next one?

If you’re ready to make your next property move, here’s what you need to know about deposit rules, KiwiSaver and lending criteria.

💬 Get in touch with a Mortgage Link adviser to talk through your options.

When it comes to deciding where to put your money, where do you start?

Paying off your mortgage faster saves you on interest. But building your nest egg matters too. The key is finding the right balance for your budget and goals.

🏡 A Mortgage Link adviser can help with the lending side of things.

📈 For KiwiSaver or investment guidance, our sister company Invest Link can help too.

💬 Get in touch to learn more.

False - you don’t always need a 20% deposit to buy your first home.

🏡 A 20% deposit can position you as a lower-risk borrower, unlocking more competitive rates and helping you avoid low-equity fees.

💡 But buying with less can still be possible. From low-deposit lending products (around 10%) to Kāinga Ora First Home Loans (from 5% deposit), you may have options.

💬 Get in touch for a chat - we’ll help you figure out what’s available.

So, your life has changed, but your mortgage hasn’t kept up?

There might be more options than you think, depending on your unique situation and goals.

The key is not leaving it too late. Talking early on with your Mortgage Link adviser can help you feel back in control.

💬 Get in touch for a chat!

A quick check-in could help you simplify things, stay on top of changes, and even reveal opportunities you didn’t know were there.

💬 And the best part? You don’t have to do it alone. We’re here to talk it through.