Excellent - Based on 2307 reviews

Refinance your home loan

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


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

Refinance your 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 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.

How much could Lending People save you

How much could Lending People save you

See how our home loans compare to others.

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

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

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Posted in Personal Loans

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Posted in Personal Loans

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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.

Find out more

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

Questions? We've got answers

If you’re on a floating interest rate then you can refinance easily, without incurring break fees. If you’re on a fixed rate refinancing is possible, but your lender may charge break fees to end the fixed term. The good news is that many banks offer cash incentives to help pay these fees when refinancing.

Having a floating interest rate for all of or a portion of your home loan, offers you the flexibility to make extra or bigger repayments without incurring additional fees. A revolving mortgage also offers flexibility, which could allow you to pay it off quicker. For more tips on how to pay off your mortgage faster, check out this guide.

A revolving mortgage is a bit like a big overdraft—as money comes in and out of your account, the balance fluctuates. The interest is calculated daily, so the bigger your balance, the smaller your interest rate.

Revolving mortgages don’t have fixed payments, so you can make payments more often, or make bigger payments without incurring fees. If you’re smart about it (and disciplined), this type of mortgage can allow you to pay it off faster.

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

Watch this space

Home loans are coming soon to Lending People. Keep an eye out for updates to this page!

  • 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.