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.
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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 4.8 / 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!