Mortgage Link (otago) Limited

Financial Services Provider

★★★★★

5 Read 332 reviews on Google

Source: Google Business Profile. Reflects this firm's listing, not individual advisers.

Dunedin

FSPR Registered

FSP Number: FSP108634

NZBN: 9429038148415

Team Size: 7 advisers

Verify on FSPR

About Mortgage Link (otago) Limited

What is Mortgage Link (otago) Limited?

Mortgage Link (otago) Limited is a financial services provider, based in Dunedin, with 15 years on the FSPR register, and 7 appointed advisers on file.

How is Mortgage Link (otago) Limited regulated?

Mortgage Link (otago) Limited is registered on the Financial Service Providers Register (FSPR)as FSP108634, with first registration in 2011. Disputes are handled by Financial Dispute Resolution Scheme. Verify on the FSPR register at fsp-register.companiesoffice.govt.nz.

What does Mortgage Link (otago) Limited offer?

Mortgage Link (otago) Limited's Public Disclosure Statement lists the following scope of advice: Personal insurance (risk), including health insurance, Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses), ACC advice, Mortgages and personal lending, Determining how much you can afford to borrow to purchase a property, Selecting an appropriate lender and mortgage structure. Refer to the original PDS for the binding scope.

Public Disclosure Statement highlights

Full PDS section ↓

Extracted from Mortgage Link (otago) Limited's PDS dated 2026-05-24 · HTML source. View original.

Fee structure: mixed
Commission: Yes
Dispute scheme: FDRS
Panel: 1 providers
Services: 4 named
Linked docs: 1

Scope of advice

Personal insurance (risk), including health insurance
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
ACC advice
Mortgages and personal lending
Determining how much you can afford to borrow to purchase a property
Selecting an appropriate lender and mortgage structure
How to structure repayments to pay off mortgage sooner
Structuring and refixing current lending
+12 more

Contact Information

Phone

03 477 7758

Email

Not available

Website

mortgagelinkotago.co.nz

Address

116 Stuart Street,Dunedin Central,Dunedin,9016,New Zealand

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Public Disclosure Statement

1 provider on panel

Mortgage Link (otago) Limited files a Public Disclosure Statement under FMC Act 2013 s431 · last ingested 2026-05-24 · source format HTML.

→ View Mortgage Link (otago) Limited's original disclosure page · FA-NZ mirror (Markdown) · facts.json

Fee structure: mixed
Receives commission: Yes — disclosed in PDS
Dispute resolution scheme: FDRS
Scope of advice (verbatim from PDS): Personal insurance (risk), including health insurance
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
ACC advice
Mortgages and personal lending
Determining how much you can afford to borrow to purchase a property
Selecting an appropriate lender and mortgage structure
How to structure repayments to pay off mortgage sooner
Structuring and refixing current lending
Mortgages
Personal loans
Top ups
Fixed rate rollovers

+8 more
Specialties: Health Insurance
Income Protection
Business Insurance
Financial Planning
Mortgages
Lending
Life Insurance
Trauma Insurance
Disability Insurance
General Insurance

Hover any specialty to see its source. Self-attest takes priority; PDS-derived next; AI-classified last. For binding regulatory statements refer to the FAP's own current Public Disclosure Statement.
Ownership: Mortgage Link Otago Ltd (T/A MORTGAGE LINK (OTAGO) LIMITED, FSP108634) and MORTGAGE LINK OTAGO (2016) LIMITED (FSP752471) are authorised bodies under Link Financial Group 2022 Ltd (FSP1004590), which holds the FAP licence.

Distribution panel

Product providers Mortgage Link (otago) Limited is appointed to distribute, grouped by product category. Counts show how many other NZ FAPs FA-NZ has on file as distributing the same provider.

Lending & Mortgages · 1

All providers excluding Kiwibank (specific names in image, not reproduced as text)

Verbatim quotes from Mortgage Link (otago) Limited's PDS (6 fields cited)

Fees

“Mortgage Link Otago advisers are usually remunerated by way of commission, by the providers of the loan products we recommend. On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you.”

Product panel

“We provide advice in relation to products provided by the following companies: *(Provider logos/list displayed on the published web page — all providers excluding Kiwibank)*”

Conflicts of interest

“From time to time, product providers may also reward us for the overall business we provide to them. They may give us tickets to sports events, hampers, or other incentives.”

Scope of advice

“Mortgage Link Otago advisers provide advice about: - Personal insurance (risk), including health insurance. - Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses) - ACC advice - Mortgages and personal lending”

Dispute resolution

“you can contact the **Financial Disputes Resolution Scheme (FDRS)**. FDRS provides a free, independent dispute resolution service that may help investigate or resolve your complaint if we have not been able to resolve your complaint to your satisfaction.”

Ownership

“**Link Financial Group 2022 Ltd (FSP1004590)** holds a licence issued by the Financial Markets Authority to provide financial advice. Mortgage Link Otago Ltd, T/A MORTGAGE LINK (OTAGO) LIMITED (FSP108634) and MORTGAGE LINK OTAGO (2016) LIMITED (FSP752471) is authorised by that licence to provide financial advice.”

Verbatim spans extracted from the source PDS dated 2026-05-24. Each quote was substring-verified against the original document; spans that failed verification were dropped. View source.

Services this firm offers

Named service offerings extracted from Mortgage Link (otago) Limited's PDS. Names are verbatim from the source document; descriptions and fee notes are AI-summarised — refer to the original PDS for binding wording.

Mortgages and personal lending
Advisory

Advice on mortgages, personal loans, top-ups, fixed rate rollovers, debt consolidation, and business loans.

Fees: Usually commission from lender; fee up to $2,500 if approval obtained but client does not proceed; clawback fee of $150/hr (max $2,250) if loan repaid within 28 months.

For: retail
Personal insurance (risk), including health insurance.
Advisory

Advice on life, trauma, TPD, income protection, mortgage/household expenses cover, and health/medical insurance.

Fees: No upfront fees; commission from insurers. Fee may apply if client cancels a life or health policy within two years of inception.

For: retail
Business Risk Insurance (Key Person, Shareholder Protection benefits, Business Overheads/Expenses)
Advisory

Advice on business risk insurance products including key person, shareholder protection, and business overhead cover.

Fees: Commission-based; no fees stated beyond standard insurance service fee conditions.

For: retail
ACC advice
Advisory

Advice relating to ACC cover options.

Fees: Fee model not separately specified; general commission and fee structure applies.

For: retail

Additional disclosure documents

Documents linked from Mortgage Link (otago) Limited's PDS. URLs verified to appear in the source document at extract time; links may rot — verify with the firm before relying on a specific version.

Financial Markets Authority website · Other disclosure

Notes: Facts and product panel are LLM-extracted from the source document (confidence tier B). Verbatim quote block above is Sonnet-extracted then substring-verified against the source markdown. For the authoritative wording, view the original disclosure above. FSPR register entry. FA-NZ is a directory mirror, not a regulator.