 "Home Loans NZ – Get Expert Mortgage Advice & the Best Rates | Lendi Fi")
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Lendi Financial works with all major New Zealand banks and specialist lenders, giving clients access to a full range of products — from first-home loans to investment property and complex lending structures.Whether you’re self-employed or growing your portfolio, we’ll find the right fit for your goals.
BUYING YOUR FIRST HOME
Your First Home Starts Here
Buying your first home is an exciting milestone, and at Lendi Financial, we're here to make the process simple and stress-free.
Our expert team specialises in helping first-home buyers navigate the home loan journey with confidence. We take the time to understand your goals and financial situation, then use our platform to compare a wide range of loan options and secure a competitive deal that suits you.
From start to finish, we guide you every step of the way—so you can focus on finding your dream home while we handle the rest.
Let us help you turn the dream of homeownership into reality.
Investment Property Loans
Investing in property is one of the most powerful ways to build long-term wealth. At Lendi Financial, we help you secure the right investment loan strategy—whether you’re buying your first rental, expanding your portfolio, or refinancing for better returns. Our expert advisers compare top NZ lenders to find smart, flexible finance tailored to your goals.
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Construction Loans Made Simple
A construction loan helps turn your dream home or major renovation project into reality.
Designed specifically for those building or making significant structural upgrades, this flexible loan often combines land purchase and construction funding into one convenient package.
With progress payments made as your build advances, a construction loan gives you control, flexibility, and peace of mind—ensuring your funds are released at each stage of completion. Whether you’re starting from bare land or improving your current home, it’s a smart financial solution that supports every step of your building journey.
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refinancing
Refinance your mortgage with Lendi Financial and start saving today. We compare top NZ banks to find you lower rates, cashback offers, and flexible loan options. Fast approvals and expert advice, nationwide.
There are several smart reasons to refinance your home loan with Lendi Financial:
Get a Better Rate – Secure a lower interest rate and reduce your monthly repayments.
Cashback Offers – Take advantage of lender cashback promotions to boost your savings.
Consolidate Debt – Simplify your finances by combining high-interest debts into one manageable home loan.
Access Home Equity – Use the value in your property to fund renovations, investments, or personal goals.
Restructure Your Loan – Adjust your loan type, term, or structure to suit your changing financial needs.
Plan for Retirement – Create a long-term repayment strategy that supports your retirement goals and financial freedom.
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SECOND MORTGAGE OR CAVEAT
A second mortgage is a loan secured by the equity in your homeallowing you to borrow against the value of your property
MINIMUM TERM:6 MONTHSMAXIMUM TERM: 5 YEARS
LVR UP TO 80%UP TO $100,000
LVR UP TO 100%UP TP $50,000
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PROPERTY DEVELOPMENT FINANCE
Property development finance typically involves shorter-term loans
DEVELOPMENT FINANCE CAN BE: MULTI-UNIT RESIDENTIAL DEVELOPMENTCOMMERCIAL PROJECTSLAND SUBDIVISION
WHAT ARE THE CRITERIA FOR LENDING?LENDING CRITERIA DIFFER FROM LENDER TO LENDER, BUT TYPICALLY LENDERS LOOK AT THE PROJECT, LTV (LOAN TO VALUE RATIO), TYPE OF LOAN, STRATEGY, DEPOSIT AND FINANCIAL POSITION
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Increasing your current loan
We will be helping you with obtaining additional funds on top of an existing loan agreement. This could be done for various reasons, such as needing more money than originally borrowed, consolidating debts, or accessing funds for additional expenses.
Increasing a loan usually involves renegotiating terms with the lender, assessing your current financial situation, and determining whether you qualify for the increased amount based on factors like creditworthiness and income.
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Reverse Mortgages
A reverse mortgage allows people over 60 to access some of the equity in their home, helping them fund a more comfortable retirement. Importantly, with a reverse mortgage you continue to own and live in your home and community for as long as you choose.
With a reverse mortgage, you don't need to make regular repayments. Interest is calculated on the outstanding balance and added monthly to your loan. Voluntary repayments can be made at any time, which reduces the balance and interest charged.The total loan amount, including accumulated interest, is repayable when you move permanently from your home. This could occur when you sell your property, move into long-term care or pass away.