Lending people potential
Smart technology, expert advice, and no broker fees. This is how Home Loans should be.
Excellent - Based on 1011 reviews
Buying, building, renovating, nesting, or investing?
We've got home loans to suit and experts, home loan calculators and competitive interest rates to help get you there.
Fast and easy to apply
We have relationships with a wide range of lenders and aim to deliver the best rate for your home loan
Home loan solutions for all credit types
We compare all our lenders to find the lender that is right for you
More flexibility. Lower payments.
We care about our customers and their needs and it shows in our feedback
Our latest great home loan rates
Home Loan - Fixed rate
1.99
%
p.a.
1 year fixed. Min 20% deposit
Home Loan - Floating rate
2.50
%
p.a.
Min 20% deposit
Home loans for all situations
First Home Buyers
We offer tailored solutions paired with planning and sensible advice to help you purchase your first home. Our expert advisers, tools, and insights will assist you through the entire process. From your deposit requirements, what your repayments will be, which is the best lender, loan approval to making an offer, and everything in between. If you're a member of KiwiSaver, you might be able to withdraw your savings to help you buy or build your first home, and you could also be eligible for a grant.
Equity release
Also known as a 'Reverse Mortgage' and designed for existing homeowners over the age of 60. Equity Release allows you to borrow against your property's value without moving out or making repayments. If you are asset-rich but cash-poor, this can offer you the flexibility to pay for renovations, purchase a new vehicle, or for something special like travelling the world.
Refinancing
If you're refinancing your mortgage or looking for debt consolidation options, our mortgage advisers can provide solutions specifically for your situation. Making the right decision with professional advice from our team could save you both time and money.
Investment Properties
Our experienced advisers can guide you through the complexities of an investment property. If you need a deposit or can use the equity in your existing home, we'll show you how to structure the loan. You can explore options of interest only or principle plus interest, and we can help navigate current tax laws. Our easy-to-use estimator guides you on what you could borrow and what your regular repayments might be.
Impaired Credit
We love square pegs in round holes. Life doesn't always fit inside a square box. Traditional lenders don't always step back and look at the big picture. We have relationships with a fantastic group of lenders who understand that life is not always plain sailing. They're ready to offer an alternative loan solution for your first home, next home, investment property, debt consolidation, or even release equity from your current home to start a new business.
Self Employed
If you're self-employed, we have simple solutions that do not require financials for home loan approval. These are 'low doc' (low documentation) loans and designed to be smooth sailing for contractors, self-employed, and company owners.
Tools to help on your money journey
Home Loan Calculator
Quickly calculate what your estimated repayments would be for a home loan.
Get to know our people
Whatever your financial needs we are happy to help secure you the right partner. From home loans to personal and business loans we work hard to help
Working with an adviser
With our network of lenders and our smart tech we'll have you connected to the right loan in minutes
Simple sign up online
We have relationships with a wide range of lenders and aim to deliver the best rate for your needs
Select the right loan for you
From personal loans to home and business loans we offer the product that is right for you
View and Control your progress
We care about our customers and their needs and it shows in our feedback
We have relationships with a large network of lenders
LENDING PEOPLE INSIGHTS
Take an in-depth look at credit reporting.
If you have ever applied for finance, rented property, connected power, or signed up to a mobile plan, companies that provided these services likely checked your credit report. Let's take an in-depth look at what information is on your credit report, how we might use that information, and what it means for you.
Questions? We've got answers
We are one of the only digital platforms that will 'vet' your application within seconds, so you know you are mortgage ready. Lending people offers a seamless digital experience that is 100% online. Chat to your adviser, track your application, upload documents, and book calls all from your secure online portal. It's easy and fast.
We genuinely care about our customers. We work with a more comprehensive range of lenders, unique facilities, have highly experienced advisers, and an online intelligent digital platform.
Absolutely! We can offer pre-approval for 90 days. If you are going to an auction, we can guide you through the entire process, with the right buying expectations and approval for the right amount.
We are specialist lenders for non-bank home loans. Many of our facilities do not consider your credit score when approving a home loan. They look at your ability to pay, employment stability, and fair rates from 3.95% for impaired credit home loans.
Your adviser will contact you to discuss your application, and after this is complete, you will submit it to the ledgers best suited to approve your application. Lenders can take from 1-2 days to 10+ days, depending on the demand. Your adviser will understand your needs in terms of timing and make sure your application is placed with the right lender to meet your deadlines.
Buy a first home, next home, investment property, home renovations, buy a business, debt consolidation, pay tax bills. There are so many options. When you talk to your adviser, they will tailor the right solution for your circumstances.
The rates offered directly through the banks are the same as if you go through a mortgage adviser. With our mortgage advisers, you can relax knowing you have the best Bank or lender for your circumstances. The Bank pays us a commission for processing your application.
Your adviser will help you through the application process once you have completed your online application. You need to confirm your income with a combination of bank statements and payslips; you will require a current valid photo ID and proof of address
Coming Soon...
Home Loans are coming soon to Lending People!