Any successful organisation is built on clear and quality values. It is evident from the high regard Mortgage Link brokers are held in by their clients, our lender partners and the industry, that our brand is strongly reflective of the values we hold.

In operating our businesses the Mortgage Link group holds the following values:

Ethics

Doing the right thing by our clients, our lenders, our commercial brokers, our licensees and their staff and the Mortgage Link stakeholders.

Integrity

Possessing and steadfastly adhering to high moral principles and professional standards

Excellence

Being superior if not outstanding in the way we work and relate to others. Making sure we know our clients and their changing needs and situation. Ensure we relate appropriate needs based analysis and advice to the current market.

Transparency

The Company and our individual businesses are open about how we conduct ourselves and we honour our respective responsibilities. As a consequence we trust each other and have confidence about our delivery.

Celebration

We recognise our successes and celebrate the achievements of our clients, businesses and staff and of the Company

Independence

We are independent of our lenders – they do not own any of Mortgage Link. Our licensees are independent business owners.

Respect and Value

In dealing with our clients and each other we respect and value individual attributes and deal with everyone in a measured, professional way.

Strategic Goals of the Mortgage Link Group

Building Value

Our businesses are built on sustainable income with appropriate risk multiples applied as our business value is not merely a multiple of current revenue or trail income. To build value, our businesses need to be involved in planning, apply a clear vision to their intended outcomes, take an independent stance and develop advice based relationships supported by strong governance, robust technology, documented processes, training and structured support.

Grow Sustainable, Profitable Revenue

Our individual businesses have the opportunity to become the dominating mortgage adviser in their respective regions. The license agreement structure provides a supportive and consultative relationship with the licensor. There is the ability for licensees to build independent and saleable businesses involving their teams.

Licensees need to build their businesses around strong client relationships, supported by quality lenders with the provision of quality advice based analysis.

The Company will grow with the success of its licensees and from external license sales. This requires investment and planning.

Manage Risk

The Mortgage Link group has built, and will continue to build, good business processes allowing for the provision of defensible advice. Our software supports structured steps in providing this advice with an ongoing investment as our industry and group evolves. The Mortgage Link group is committed to quality support and ongoing training of its teams. There is a need for license agreement and business activity monitoring by the Company.

Diversification

In our Company and group activities we need to ensure no one issue or relationship or business activity can unduly affect the value of the Company or individual businesses. The Company is committed to growing the group with a geographic spread, and emphasis is being placed on the major urban areas of Auckland, Wellington, Christchurch and the Bay of Plenty.

We continue to look at our product spread ensuring we have existing and new products in our residential, commercial, reverse equity and specialist lending areas. We need to ensure our client needs, and our business value opportunities, are maximised in the risk and general insurance fields. We will look at the opportunity by way of strategic alliance to offer a broad range of financial services to our clients.

A reliance on individual or a small group of lenders is a business risk that needs ongoing management. We take a strong relationship approach to our lender partnerships, and we need to be supportive of those lenders who reciprocate this value.