Excellent - Based on 2307 reviews

Buying your first home

Obtain your personalised interest rate and discover if you qualify for a home loan in minutes with our digital home loans.


Home is where the heart is. Here is where the smart is.

Obtain your first home loan with a fully digital experience that saves you time, increases transparency, and speeds up processing.


You can bank on us for speed.
Our digital platform enables real-time assessment of your application, so we can deliver an outcome in minutes, not weeks.

Make sure you're not paying too much on your home loan

We'll help you get there faster with a free review. You could save hundreds of dollars in interest by tweaking your home loan, freeing up some extra money for when you truly need it. It's not just about getting a better interest rate; it's also about properly structuring the mortgage for you.

Do the maths with our calculators

Home Loan Calculator

Home Loan Calculator

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

Home Loan Rate Comparison

Home Loan Rate Comparison

Check out the latest home loan rates.

Banks vs. non-Why Lending People?

As Lending People, it's our simple ambition to make lending a breeze, providing kiwis with the means to embrace opportunities and kick obstacles with confidence.

  • Banks

    Traditional Brokers

  • Decisioning Times


    Up to two weeks.

    Up to three weeks.

  • Application Processing


    Business hours, 5 days a week.


  • Application Transparency

    Follow the progress of your application online.



  • Interaction

    100% Online, when you are available.

    Face to face, when they are available.

    Face to face, when they are available.

  • Advice Provided




Guides & Insights

First Home Buyers Hub

Guides and Insights.
First Home Buyers Hub

Posted in Personal Loans

Read more

Posted in Personal Loans

Read more

Posted in Personal Loans

Read more

See how your current mortgage compares

Taking on a mortgage is a big commitment. It takes most people around 25–30 years to own their home outright. As you know, the interest you pay on top continues to accumulate the longer you’re in debt, so if you can pay off your home loan any faster, you will save tens of thousands of dollars. We’ve got some tips to do just that.

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.

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

Got questions? We have answers

We can tell you in about 60 seconds. Apply for a home loan online with us and you’ll get an initial decision within 60 seconds. There’s no obligation to follow through with the loan but if you like what you see, you’ll be assigned an adviser who can take you through the next steps and match you with the lender who will provide the best terms for you.

Your mortgage repayments will depend on the size of your mortgage and the terms of your loan. Try our online home loan calculator to get an idea of what your repayments might look like.

Essentially, a broker helps you to navigate the whole mortgage process. Here are a few benefits of using one:

  • Brokers deal with a number of lenders, so they can save you time shopping around.
  • They know the interest rates and application criteria for different lenders and can negotiate on your behalf.
  • They can help you put a loan application together.
  • They may be able to find an alternative lender if a bank declines your application. They may also be able to get you a better deal than if you were to approach the lender directly.
  • All mortgage brokers are now required to be Registered Financial Advisers. That means they must have a complaints process in place and belong to a dispute resolution scheme. You can check any broker on the official Financial Services Providers Register.

Lending People are brokers, but not the traditional kind. Our process is 100% online, and we don’t charge broker fees. Aside from that, we’re the same!

An interest rate can be fixed, floating or a mix of both. Fixed means that the rate stays the same for the duration of your loan term. Floating means that it will fluctuate depending on what the market interest rates are doing. You can also choose to split your mortgage so that one portion has a fixed rate and the other has a floating rate. There are pros and cons to all three options, which we explore further here.

Generally, you need 20% of the total property price, but some non-bank lenders only require 10%. First home buyers may be able to get finance with a 5% deposit. In this case, the finance structure would use a combination of home loan and caveat. Usually the caveat is that the lender can claim interest on the property, which provides them with enough security to lend you the rest of the money for your deposit.

First home buyers have more options available to help them get into the housing market, including first home grants of up to $10,000 and Kiwisaver (if you’ve been contributing for over three years).

Some people may also be lucky enough to get a helping hand from a loved one. There are three ways someone can help you:

  1. Gifting you money
  2. Guaranteeing your mortgage
  3. Borrowing against their own home

Not necessarily, but it does make things easier. Getting pre-approved means that you can bid at an auction or put an offer on a house, up to a limit that you and your lender have agreed to.

Alternatively, when you find a home that you’d like to purchase, you can ask the real estate agent to insert a ‘finance clause’—this gives you time to get approved to buy the property. Fifteen working days should provide you with plenty of time to get approval from a lender.

The short answer is yes. You can consolidate other debts like vehicle finance, credit cards and personal loans into your home loan. It’s likely that your home loan will have a lower interest rate, so this could be a good option to become debt-free faster. It’s a good idea to have a chat with your mortgage broker before doing this, as they’ll be able to look at your specific circumstances and advise accordingly.

Watch this space

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

  • 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.