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Lending people potential

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


Excellent - Based on 1375 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 year fixed. Min 20% deposit

Home Loan - Floating rate




Min 20% deposit

Home loans for all situations

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


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


1375 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 are an existing customer who has previously entered into a personal loan that we arranged on your behalf; or 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 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 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 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 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.