We’ve built our reputation on saying ‘yes’ to more people

Whether you’re buying a second property, moving on or up in the world, or even if you’re downsizing – buying property can be equally exciting and stressful. We’re here to help take a little bit of stress out of the process. We factor in the ups and downs of real life when looking at how we may be able to help. 

If you’re worried about your work history or other factors getting in the way, then talk to us. We can work together to try and find a way forward.  

Why Link Home Loans?

We’re fast: Credit decision within 1 working day

We’re flexible: We’ll always try to give you options

We’re accessible: Talk through your situation with us

Cash-out, including for renovations

Borrow up to 85% of the property value

Deal directly with a decision-maker 

Get started with 6 months’ income documentation

We look beyond just your credit score 

Alternative documentation applications considered

What’s a flexible credit assessment?

We don’t just look at the black and white boxes on your home loan application. We make the effort to get to know you – the person behind the application. As part of our responsible lending assessment of your application, we’ll ask the questions that matter and look to uncover the meaning behind any poor credit history. This allows us to make an informed decision based on your objectives and requirements, and ability to repay a loan with us.

It’s our flexible approach that helps Kiwis achieve their dreams of buying their new home. 

Any loan applications are subject to the Link Home Loan team completing responsible lending checks and considering your/every customers individual circumstances.

Your Loan, Your Rate

Discover our flexible approach to home loans. We look at a range of factors (including your financial situation, credit history and property)  to provide eligible borrowers with an interest rate estimate. Talk to a lending specialist to find out where you stand.

Learn about our home loan options

The choice is yours

Choose a floating rate or fix your loan for 2 or 3 years. Or split your loan up to 4 ways and choose a mix of fixed and floating rates.

Alt Doc application options

We accept alt-doc applications, meaning you could apply with as little as 6 months business bank statements. We even consider applications with poor credit history.

Non-metro lending

From North to South, we’re here to help – even if your investment opportunities are outside of major regional areas. 

Any loan applications are subject to the Link Home Loan team completing responsible lending checks and considering your/every customers individual circumstances.

Don’t forget to read this bit…

Information and interest rates are correct as at 19 October 2023 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.

* Offer applies to ‘New Build’ Prime, Near Prime and Specialist Full Doc home loan applications with LVR >80-85%. Available for Metro security locations only. A New Build is a property where the borrower has made a financial and legal commitment to buy in the form of a purchase contract with the builder, prior to the property being built or at an early stage in construction. This could be traditional ‘construction lending’ where the loan is disbursed in staged payments, or it could be a loan to finance the purchase of a property, which will be settled (in one payment) once the build is complete Or a newly-built entire dwelling completed less than six months before the mortgage application. The dwelling must be purchased from the original developer (the contract to buy at completion can be agreed while the building is still being constructed).

Information provided on this website is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require tax or financial advice, contact a tax adviser or get in touch with one of our licenced financial advisers..

All applications are subject to credit assessment, loan eligibility criteria and lending limits. Terms, conditions, fees and charges apply. The actual interest rate will depend on the borrower’s circumstances and the information verified during the loan application assessment.