Excellent - Based on 2307 reviews

Lending People Opportunities

Home loan rates in 60 seconds. Approvals in 48 hours.


Buying, building, renovating, nesting, or investing? Home loans just became a whole lot easier.

You can bank on our home loans for speed and flexibility with rates in 60 seconds, approvals in 48 hours, and terms up to 40 years.

Get Your Rate NowHow much money can I borrow?

Complete your home loan application in minutes, not weeks.
Discover your personalised rate in 60 seconds without affecting your credit score, and get approval within 48 hours.

First home buyers

Getting your foot on the property ladder

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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


  • Processing Times

    60 seconds* for the initial application

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

    Up to 10 Days


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

  • Availability

    We use our tech-smarts to make impartial decisions

    Bank biased


  • 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


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.

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 4.8 / 5 based on 2307 Reviews. Showing 5 star reviews.

Superb service with the lending people…

Dee - New Zealand

November 24th, 2023

Lending people made this very easy

Larisa Winterburn - New Zealand

November 24th, 2023

The whole process was simple and easy

Phillip Herbst - New Zealand

November 24th, 2023

It was quick and easy

Consumer - New Zealand

November 23rd, 2023

Questions? We've got answers

For a start, our process is 100% digital, saving you time and hassle. We also work with a more comprehensive range of lenders, unique facilities, and have a team of highly experienced advisers. Oh, did we mention we don’t charge broker fees?

We are one of the only digital platforms that will 'vet' your application within seconds, so you know straight away whether you’re mortgage ready. With a 100% digital platform, you can chat to your adviser, track your application, upload documents, and book calls all from your secure online portal.

The rates offered directly through banks are the same as what you’ll get through a mortgage adviser. The difference is our mortgage advisers are completely impartial. Banks and lenders all pay Lending People the same commission for processing your application, so you can relax knowing that we’re matching you with the best bank or lender—and the best rate—for your unique circumstances.

Absolutely! We can offer pre-approval for 90 days. If you are going to an auction, we can guide you through the entire process, setting you up with realistic buying expectations and approval for the right amount.

We work with plenty of trusted lenders who aren’t banks, many of which don’t consider your credit score when approving a home loan. Instead, they look at your ability to pay and employment stability, offering fair rates from 3.95% p.a. for impaired credit home loans.

The initial online application takes around five minutes, then you’ll be assigned an adviser who will contact you to better understand your needs and goals. After speaking with you, they’ll finalise your loan application, and send it to the lenders most likely to approve it. Lenders can take anywhere from 1–2 days to 10+ days to reach a decision, depending on how busy they are. Your adviser will take your deadlines into consideration when choosing the appropriate lender. Once your loan has been approved, the funds will be transferred into your account overnight.

You can use a home loan to buy a first home, another home, an investment property, or home renovations; you can buy a business, consolidate your debt, or pay tax bills. There are so many options! When you talk to your adviser, they will tailor the best solution to suit your circumstances.

For the initial online application, you’ll need to confirm your income with a combination of bank statements and pay slips. You will also need to provide a valid photo ID and proof of address. Once you’ve been assigned an adviser, they’ll let you know what further information is required before they can start reaching out to lenders.

Watch this space

Home Loans are coming soon to Lending People. Keep an eye out as we will be updating this page very shortly!

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


2307 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you do not enter into a personal loan arranged by us. A fee to use our services is applicable in all other cases. See our Terms & Conditions for the applicable fees.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 8.95% p.a. to a maximum of 28.95% 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 charged by providers). 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 9.80% p.a. to a maximum of 29.91% 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 8.95% p.a., your total repayments will be $22,493 (made up of $20,000 principal, 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, fees for using our services (if any) or default fees.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & 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 will reflect the loan amount and interest rate offered by the provider. Provider establishment fees, terms, and conditions apply.