Focus on your business, not your home loan

Just because you’ve started your own business doesn’t mean your plans to buy a house have to wait. We want to help you get ahead so you can focus on growing your business, not proving your worth. We give you the flexibility to apply for a home loan on your terms; with Alt Doc application options starting with just six months’ business documentation  (plus other eligibility criteria). This means you may not have to wait for your business to mature before you decide to apply for a home loan.

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’ documentation

We look beyond just your credit score

Alt Doc applications considered

What is an Alt Doc Home Loan?

Alternative documentation (or Alt Doc) is a way to apply for a home loan with non-standard income documentation. This can make it easier for those who don’t work 9-5 or haven’t been operating their own business for an extended period, to apply for a home loan. Alt Doc home loan applications still go through our full credit assessment criteria and responsible lending checks, however the documentation we ask for caters to a wider variety of financial circumstances.

Alt Doc loans could be a solution for New Zealand’s army of self-employed small business owners who may not tick the usual loan application boxes or have the extensive NZBN history and paperwork required by some mainstream lenders.  

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.

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…

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.