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Excellent - Based on 1623 reviews

Reviewing your existing home loan

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Feel like you and your mortgage might be heading in different directions?

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We work with many of New Zealand’s most trusted lenders, comparing them all to find the one that’s right for you.

Lending Partners

We work with many of New Zealand’s most trusted lenders.

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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.

Your options at a glance

Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers in a way that suits you.

  • 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 encrypted

    Paperwork and Emails

    26-bit encrypted

  • 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

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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 4.9 / 5 based on 1623 Reviews. Showing 5 star reviews.

Great outcome, great staff.