Excellent - Based on 1623 reviews
Buying Another Home
Get ready to climb a little higher on the property ladder.
Ready to grow your property portfolio?
You can’t put a price on possibilities, but our experts will get you a good one.
Lending Partners
We work with many of New Zealand’s most trusted lenders.
Do the maths with our calculators
Home Loan Calculator
Quickly calculate what your estimated repayments would be for a home loan.
Your options at a glance
At Lending People, we try to keep things simple. That’s why we’ve saved you the trouble of comparing us with banks and brokers. Don’t mention it.
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 encryption
Paperwork and Emails
26-bit encryption
Other Fees
Any fees incurred for early or larger payments on fixed-rate loans will be disclosed upfront
Dependent on the lender chosen, the broker will disclose any additional fees
Break fees, early fixed-rate termination fees and other charges may apply
Guides & Insights
Looking for some light reading? All the questions you have, answered in one place.
Be informed when you take the plunge into a second mortgage.
Thinking about buying a second property to live in, holiday in or invest in? Read about the tips and traps around loans, contracts and the current market here.
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
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.
Great outcome, great staff.
Kristin Muirhead - New Zealand
July 18th, 2022
Fast and Reliable loan company
Clem Urlich - New Zealand
July 17th, 2022
Leonie Feata was amazing!
Liam Minhinnick - New Zealand
July 15th, 2022
Very impressed by the prompt service…
Setta - New Zealand
July 15th, 2022
Got questions? We've got answers
This depends on the lender. Most will lend up to 90% of the value of the property including the new advance, however, some may lend up to 100%.
If your property is worth $1million and your current mortgage is $800,000 then some lenders may be able to lend up to $200,000 as a second mortgage.
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.
Without a crystal ball, it’s hard to say for sure how long you should fix your mortgage interest rate for. This analysis compared floating with fixed rates from December 2004 to November 2020. They found that one and two year fixed rates worked out cheaper than floating rates or long-term fixed rates.
Splitting your mortgage so that a portion of it has a fixed rate, and a portion has a floating rate is a good way to find get a balance of security and flexibility.
Our online home loan calculator can help with that! Give it a try.
Watch this space
Home Loans are coming soon to Lending People. Keep an eye out as we will be updating this page very shortly!