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Home Loans

Excellent - Based on 1542 reviews

Lending people potential

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

COMING SOON

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.

Let’s get started

Push ‘go’ on home ownership with fast mortgage approvals.
When you've found the perfect house and you're ready to make it home, we can help with that.

Apply now

Applying for a mortgage is safe as houses.
100% online and fully encrypted, so your personal information is safe and secure.

Visit our Trust Centre

Sit back while we match you with one of New Zealand’s most trusted mortgage lenders.
We're fully automated and fully compliant. With real-time notifications, you know exactly what’s happening with your mortgage application, every step of the way.

Get started today

Our fully automated platform and expert advisers makes home loan applications a breeze.
You can apply for a home loan on any device, at any time. We compare mortgage lenders, so you don’t have to.

Apply Now

Push ‘go’ on home ownership with fast mortgage approvals.
When you've found the perfect house and you're ready to make it home, we can help with that.

Apply now

Applying for a mortgage is safe as houses.
100% online and fully encrypted, so your personal information is safe and secure.

Visit our Trust Centre

Sit back while we match you with one of New Zealand’s most trusted mortgage lenders.
We're fully automated and fully compliant. With real-time notifications, you know exactly what’s happening with your mortgage application, every step of the way.

Get started today

Our fully automated platform and expert advisers makes home loan applications a breeze.
You can apply for a home loan on any device, at any time. We compare mortgage lenders, so you don’t have to.

Apply Now

Push ‘go’ on home ownership with fast mortgage approvals.
When you've found the perfect house and you're ready to make it home, we can help with that.

Apply now

Applying for a mortgage is safe as houses.
100% online and fully encrypted, so your personal information is safe and secure.

Visit our Trust Centre

Sit back while we match you with one of New Zealand’s most trusted mortgage lenders.
We're fully automated and fully compliant. With real-time notifications, you know exactly what’s happening with your mortgage application, every step of the way.

Get started today

Our fully automated platform and expert advisers makes home loan applications a breeze.
You can apply for a home loan on any device, at any time. We compare mortgage lenders, so you don’t have to.

Apply Now

Lending Partners

We work with many of New Zealand’s most trusted lenders.

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First home buyers

Getting your foot on the property ladder

Buying Another Home

Looking for another home?

Existing Home Owners

Reviewing your existing home loan

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Why Lending People?

We're lending a hand today, for tomorrow. We make lending a breeze with low-interest rates and 60 second* initial decisions, giving Kiwis the freedom to create brighter futures.

Find out more about us

Your options at a glance

Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers in a way that suits you.

  • Brokers

    Banks

  • Processing Times

    60 seconds* for the initial application

    1–10 days to receive an outcome, depending on the chosen lender

    Up to 10 Days

    Slow

    Can take longer due to manual processes and face-to-face meetings

  • Availability

    We use our tech-smarts to make impartial decisions

    Bank biased

    Subjective

  • Rates

    It's a level playing field, we've got access to great rates

    Can access the same rates

    Can access the same rates

  • Break Fees

    Every situation is different. Apply online to work out what’s best for you.

    These can be significant and add up to several thousand dollars.

    Every situation is different. Your broker will have to take the time to work this out for you, individually.

  • Security

    26-bit encrypted

    Paperwork and Emails

    26-bit encrypted

  • Other Fees

    Any fees incurred for early or larger payments on fixed-rate loans will be disclosed up front

    Dependent on the lender chosen, the broker will disclose any additional fees

    Break fees, early fixed-rate termination fees and other charges may apply

  • Qualifications

    We're experts in our field with an NZ Certification in Financial Services

    NZ Certified in Financial Services

    None

Make sure you're not paying too much on your home loan with a free mortgage review

See if you could be making changes to your home loan structure and repayments to pay off your home loan faster and pay less interest.

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.

Do the maths with our calculators

Home Loan Rate Comparison

Home Loan Rate Comparison

Check out the latest home loan rates.

Take A Look

Home Loan Calculator

Home Loan Calculator

Quickly calculate what your estimated repayments would be for a home loan.

Lending People possibilities in three simple steps

Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers in a way that suits you.s

Apply online

Apply online

Our 100% digital platform will assess the information you provide and approve, decline, or refer your application in under 60 seconds.

Track your progress

Track your progress

Follow your application’s progress in real-time. Complete any tasks and chat with your dedicated adviser using your online dashboard.

Receive your loan

Receive your loan

Read, accept, and sign your loan documents electronically on any device. The lender will then transfer funds into your bank account overnight.

Don’t just take our word for it

Rated 4.9 / 5 based on 1542 Reviews. Showing 5 star reviews.

The application process was fast and…

Marika Vavataga - New Zealand

May 7th, 2022

Quick and easy to apply

Rose Gututama - New Zealand

May 6th, 2022

Really good nice and fast

Luke Breingan - New Zealand

May 5th, 2022

Very friendly

Zack Yaxley - New Zealand

May 4th, 2022

Questions? We've got answers