Sandra Algar

Sandra Algar

I have been in the Banking & finance industries since 1983

I have been with Mortgage Link since 2002 (apart from a short stint at Lifetime from November 2014 to March 2017).

Prior to that, we had our own business (with my husband) arranging motor vehicle finance for clients since 1995 primarily with a company called Eagle Finance Limited who had close links with Mortgage Link (NZ) Limited back then. 

Prior to that, I had spent ten years with Westpac, with the final three years specializing in lending; being home lending, overdrafts, personal loans & business finance.

During that time, I have gained a vast amount of knowledge & pass that onto my clients by educating them about the process & how to make the most of their home loan.

It gives me great satisfaction helping people into their first home, or the next one. Helping you get the best possible structure in place so you ‘own’ your lending rather than it owning you. What tricks & traps are out there, how you can pay off your loan faster without penalty etc

I regularly assist first home buyers who do not have the Lenders preferred minimum 20% deposit as there are still options for them, despite the publicity out there to the contrary.

Obviously, I can help those that do have a good deposit as well as investors, those wanting to improve their property or change properties, business finance, car or personal loans to name a few ways I can help.

I regularly have other advisers referring business to me as they are unable to assist. I seem to have a reputation of being able to get things done as I think outside the square & / or have access to lenders others don’t.

I’m passionate about providing a tailored solution that will meet your specific needs because we all have different expectations and requirements in our financial lives.

I’m well known for my friendly, professional advice.  I will do everything I can to make navigating the path of personal finance a seamless and stress-free experience.  Return customers and referrals received are the biggest measures of success in my opinion. Your satisfaction is my number one priority and I welcome the chance to provide the best solution for you and your family.

In my spare time, I enjoy keeping fit, listening to music, socializing with friends, & traveling.

We have 3 adult children & are supportive of their endeavours.

I’ve lived in Upper Hutt all of my life.

“Financial fitness is not a pipe dream or a state of mind it's a reality if you are willing to pursue it and embrace it.” - Will Robinson  


I recently purchased a property in Otaki and am completely sure that without Sandra Algar's help, I would not be in my own home right now writing this.

I had been looking for a property for some time before Sandra was recommended to me, so I had experienced two other Mortgage Advisers that I chose not to engage with.  Once I met Sandra, I could not believe the difference.  Within 15 minutes of meeting her, I had total confidence in her professionalism, integrity, and knowledge of the market.  And to top it all off, she was lovely and friendly and personable.  None of my questions were too silly to be answered, she put me at ease and calmed my nerves.

Quite frankly, she pulled a rabbit out of a hat with my loan and I can not recommend her highly enough.  I am so grateful that she will be there in the future to help if needed.  I have several friends looking to purchase first homes and have recommended her to each of them.

I feel confident moving forward knowing she is available to assist me with all future mortgage requirements

Linda Shearman