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.
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
Quickly calculate what your estimated repayments would be for a home loan.
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
Minutes.
Up to two weeks.
Up to three weeks.
Application Processing
24/7.
Business hours, 5 days a week.
Inconsistent.
Application Transparency
Follow the progress of your application online.
Varies.
Varies.
Interaction
100% Online, when you are available.
Face to face, when they are available.
Face to face, when they are available.
Advice Provided
Objective.
Objective.
Subjective.
Guides & Insights
Looking for some light reading? All the questions you have, answered in one place.
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
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.
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!