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Lending people potential

Smart technology, expert advice, and no broker fees. This is how Home Loans should be.

COMING SOON

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.

COMING SOON

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 Rate Comparison

Home Loan Rate Comparison

Check out the latest home loan rates.

Home Loan Calculator

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

Find out more about us

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

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

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

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.

Read more

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!

  • Guides & Insights
  • Rates Comparison
  • Home Loan Calculator
  • Personal Loan Calculator

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if (a) you are an existing customer, (b) we arrange vehicle finance, and you use the vehicle purchased as security on the credit contract, or (c) you do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees). New Zealand law does not require APR disclosure but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principle, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances or fees for using our service (if any).

Terms and Conditions: All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Provider establishment fees, terms, and conditions apply.