Excellent - Based on 2307 reviews

Buying Another Home

Get ready to climb a little higher on the property ladder.

Apply for a second home loan

Ready to grow your property portfolio?

You can’t put a price on possibilities, but our experts will get you a good one.

Apply now

We’ll find the best match for you
We work with many of New Zealand’s most trusted lenders and compare them all to find the one that’s best for your unique circumstances.

Do the maths with our calculators

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.

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


  • Processing Times

    60 seconds* for the initial application 1–10 days to receive an outcome, depending on the chosen lender

    Up to 10 Days

    Can take longer due to manual processes and face-to-face meetings

  • Availability

    We use our tech-smarts to make impartial decisions

    Bank biased


  • 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.

Our guides and insights explore the financial issues questioned by Kiwis most.
Home Loans

Posted in Personal Loans

Read more

Posted in Personal Loans

Read more

Posted in Personal Loans

Read more

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.

Read the must-know tips

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'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!

  • 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.