OUR SERVICES

IN THE KNOW AND IN YOUR NEIGHBOURHOOD    

Your personal mortgage adviser and advocate will ensure you have the right mortgage for you. You would never know if you had the right mortgage for you if you went directly to a lender. Mortgage Link Kapiti covers the areas around North Wellington, the Kapiti Coast and the Horowhenua, including Porirua, Plimmerton, Pukerua Bay, Raumati, Waikanae, Paraparaumu, Peka Peka, Te Horo, Otaki, Levin and all the areas in between.

ADVICE    

How a mortgage works:

     - What you can do to make it work for you
     - What traps to avoid
     - How to reduce your bank fees and interest costs
     - How to avoid the fees the Banks don't always tell you about
     - Choosing a Solicitor, Valuer, Accountant, Building Inspector
     - Interest rates
     - How much to fix and for how long
     - Repaying your mortgage sooner
     - Choice of a lender or get the best from your present lender
     - Loan structure

PERSONAL SERVICE    

Your current and likely needs and circumstances are the starting basis of our relationship.

BEST FIT FOR YOU    

We are totally impartial and driven to meet your needs. We will ensure that you have the mortgage and lender that best suits your needs.

OPTIONS AND CHOICE    

You get access to a wide range of international, national and local banks and other lenders.

BENEFITS    

The buying power of our large national group gives you access to competitive interest rates, charges, options and other benefits.

EASY PROCESS    

We do all the work for you to make your loan application and settlement a smooth hassle free experience. We:
     - Assist with all the form filling
     - Negotiate with the lender of your choice
     - Arrange valuations and building reports
     - Work with your Real Estate Agent, Accountant and Solicitor
     - Arrange all your insurances if required

CONVENIENCE    

We welcome you in our offices, or if it is more convenient, we can come to your home or office at a time that suits you.

RANGE OF SUPPLIERS    

Representing you to over 25 mortgage lenders: traditional trading banks (including your own), and a number of other prime and sub prime (no financials, credit impaired) mortgage lenders.

UP-TO-DATE INFORMATION    

We keep up to date with your changing needs and circumstances, new mortgage products and benefits, and with changing property markets.

NO CHARGE    

There is normally no charge for the service provided by us - lenders pay fees directly to us. In those special circumstances where a fee will be charged, you will be advised of this in writing before we commence work on your behalf.

ON GOING ADVICE    

We keep in touch with you through the term of the mortgage and invite you to call anytime for advice or assistance. We are there for you, for interest rate reviews, financial health checks, top ups, your next house, investment property.

NZ WIDE    

Mortgage Link (NZ) Limited advisers operate from over 25 centres throughout New Zealand.

NZ OWNED AND OPERATED    

Mortgage Link Kapiti is a NZ owned and operated company which operates under a licensed agreement that ensures consistency in levels of services and expertise.