About – Link Home Loans

Get to know us

Link Home Loans is a brand and specialist home loan lending product offered by Link Financial Group that is 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 that offers a range of flexible home loan solutions that cater to a diverse range of borrowers.

Link Financial Group Ltd (LFG) offers the Link Home Loans product to it’s network of trusted Mortgage Advisers who can help tailor a mortgage deal specifically for you from our large panel of mortgage partners around New Zealand. 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)

We’re the home of real life home loan options.

What’s a non-bank lender?

Put simply, a non-bank lender like us provides home loan options for Kiwis that don’t meet the lending criteria of the banks. Otherwise – we are not so different. We both offer people home loan options and we both make sure we are lending responsibly.

How the Reserve Bank describes non-banks

In New Zealand, the Reserve Bank uses the term ‘Non-Bank Lender’ to describe a wide group of organisations including: savings institutions, deposit-taking finance companies and non-deposit-taking finance companies. As Link Home Loans is underwritten by Pepper Money, we fit into the non-deposit-taking space, but what does that actually mean?

How Pepper fund the loans they offer

Unlike banks they don’t take deposits (money people put in their savings accounts), so where bank loans are mostly funded by those customer deposits our loans are funded by money raised through professional investors.

We’re also keeping an eye on the planet

Pepper Money always worked to support sustainable environmental initiatives – making sure they’re doing their bit for the planet. In 2021, as part of their 21st Birthday Celebrations, Pepper planted 7 hectares of protected forest in the countries they operate in; Australia, New Zealand and the Philippines. And what’s more it all started with their first trees just 80km off the Auckland coast in Aotea, the beautiful Great Barrier Island.

They have also helped contribute to a seedling nursery to help us plant trees for many years to come.

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