Lendal Mortgages

Your trusted mortgage brokers

Looking for mortgage advice or considering refinancing? Lendal Mortgages is here to help! Our expert team simplifies the complex home loan process, ensuring a stress-free experience from start to finish. Plus, with our fully paperless system, everything is handled online for your convenience. Let us guide you to the best mortgage solution today!

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Residential - Finance and advice

Our residential finance service connects you with the right lenders, sharp rates, and tailored advice to fit your situation, whether you're a first-time buyer, upgrading, refinancing, or building. We’ll guide you through every step of the process so you can move forward with confidence and clarity.

Refix and restructure

Construction loan

Commercial - Finance and advice

We work with a wide range of lenders to secure competitive solutions for property purchases, developments, and business lending. Our team breaks down the complexities, negotiates on your behalf, and ensures you have the right structure in place to support your long-term goals.

Commercial property loan

Business loan

Asset/Equipment finance

Development lending

Why choose Lendal

Lendal Mortgages is here to take the stress and confusion out of getting finance. With decades of experience and a genuinely personal approach, our team works hard to make the lending process simple, clear, and tailored to your needs. Whether you're buying your first home, refinancing, or investing, we’re committed to finding the right lending solution, without the jargon or pressure.

Learn more about us

Local

30+ Years Combined Experience in the Financial Services Industry

Access to 35+ Lenders (including commercial bank accreditations)

A team of experts

We help you through the journey

Knowledge in the field

What our customers say

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Lendal Mortgages blog

When Should You Refix Your Mortgage? A Simple Guide for NZ Homeowners

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April 24, 2026

Refixing your mortgage is a key opportunity to review your loan and potentially save money — but timing matters. What Does Refixing Mean? Refixing is when you choose a new interest rate at the end of your current fixed term. When Should You Start Thinking About It? Ideally, start reviewing your options 60–90 days before your fixed term ends. This...

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Construction Loans in New Zealand: How They Work and What You Need to Know

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March 28, 2026

Building your own home is an exciting opportunity to create something that truly suits your lifestyle. But financing a new build is different from buying an existing property. A construction loan is specifically designed for this process — and understanding how it works can make the journey much smoother. What Is a Construction Loan? A construction loan is a type...

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Fixed vs Floating Mortgage Rates: What’s Right for You in 2026?

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February 2, 2026

Choosing between fixed and floating mortgage rates is one of the most important decisions you’ll make when setting up your home loan. What Is a Fixed Rate? A fixed rate means your interest rate stays the same for a set period (e.g. 1–5 years).Pros: Cons: What Is a Floating Rate? A floating rate can change at any time based on...

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Experience a stress free mortgage application - Work with a professional mortgage advisor in Wellington

At Lendal Mortgages, our mission is to provide the very best in mortgage solutions with a focus on securing your financial future through the latest, most effective lending options. As a certified and independent mortgage advisor in Wellington, we understand that the right mortgage can significantly enhance not only your financial health but also your overall quality of life and peace of mind.

Our entire team is trained in the art of personalised service, and your satisfaction is always our number one priority, ensuring that your mortgage process is smooth and stress-free.

Why work with Lendal Mortgages - Expert Advice and a Friendly Caring Team

We at Lendal Mortgages, pride ourselves on our extensive access to multiple lenders, allowing us to offer customised assistance tailored to each client’s unique needs. We guide our clients through the entire mortgage process, ensuring a seamless experience from start to finish.

Our comprehensive range of services includes home loans, property investment loans, home loan refinancing, commercial property loans, and business loans. With over 30 years of combined experience in the financial services industry, we bring a wealth of knowledge and expertise to every client interaction, ensuring optimal loan structures and the best possible outcomes.

Your Trusted Path to Financial Freedom - Elevate Your Mortgage Experience with Certified Expertise

Choosing the right financial partner is crucial. As a registered financial advisor, we offer you the independence you crave. Our team of independent mortgage advisors is not tied to any lender, ensuring unbiased advice. Being a local mortgage advisor in Wellington NZ, we understand your unique needs. Recognised as a top mortgage advisor, our reputation precedes us. Rest easy knowing you’re in the hands of licensed and certified mortgage advisors. Lendal Mortgages‘ team of registered advisors is committed to guiding you every step of the way with unbiased mortgage advice. Speak to us about your loan needs.

Empowering Your Financial Journey

Hi, I’m Matt Carr, the owner and your trusted advisor at Lendal Mortgages. We are independent mortgage advisors based in Wellington who have the experience to get you the best mortgage deals.

As experienced mortgage advisors we provide mortgage advice to home and business owners in Wellington, Upper Hutt, Lower Hutt, Khandallah, Johnsonville, Porirua, Kapiti and beyond.