Excellent - Based on 1542 reviews
Lending people potential
Smart technology, expert advice, and no broker fees. This is how Home Loans should be.
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.
Lending Partners
We work with many of New Zealand’s most trusted lenders.
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.
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 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
Our 100% digital platform will assess the information you provide and approve, decline, or refer your application in under 60 seconds.
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
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