Expand your portfolio with a little non-bank help

You’ve grown your portfolio and have a few properties under your belt. It’s more than just a passive income, yet the banks want to put the brakes on your ambitions. That’s where we come in.

Or you might be new to investing and looking to buy your second or third property. Our flexible approach to credit assessment means we’ll consider your application on its merits – including any poor credit history; both big and small. It’s just one of the ways we see the real you when the big banks might just see numbers. Talk to us about your situation and if we can find a way to help, we will.

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

Deal directly with a lending specialist

Floating or fixed interest rates

Apply with 6 months’ business bank statements

We consider poor credit history

Get a quick response within 1 business day

Borrow up to 85%* of the property value

What documents do I need to apply for an investor home loan?

While we are proudly a non-bank lender, this doesn’t mean we have a looser credit policy. We still need a full set of documentation for each loan application, however our approach differs in being able to accept alternative documentation, (or ‘alt doc’ for short) applications.

This means even self-employed borrowers could apply for a property investment loan with as little as six months’ business bank statements. 

What income counts towards my application?

That’s where every little bit of flexibility comes in handy. Here’s how we’ll allocate your income towards your loan serviceability, subject to assessment and our eligibility criteria:

  • 100% full time, part time or casual employment
  • 100% overtime income

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.

Get to know our investor home loan

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 past credit issues.

Non-metro lending

From North to South, we’re here to help – even if your first home is outside of a major regional area.

Need some help with your home loan?

Whether you’re unsure of the purchase process, wondering what LVR means, or are looking for help along the way, our resources are here to help make sense of all that finance jargon.

Don’t forget to read this bit…

~To apply using an Alt Doc loan application, you’ll need a declaration of financial position plus three of the following: 1) 6 months business bank statements (inclusive of the last 1 month), 2) 6 months GST101 returns, 3) NZBN registered for 24 months 4) Pepper Money accountant’s letter. ~

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.