Blog
What does a Mortgage Broker actually do?
Mortgage Broker
July 22, 2025
When it comes to applying for a home loan in Aotearoa, the choices seem endless – and the jargon (LVRs, “fixed vs floating”, and more) can feel overwhelming. That’s where a licensed New Zealand Lendal Mortgage broker steps in. Here’s how we help and why using us can make your borrowing journey smoother, smarter, and more successful. 1. Your personalised...
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What is the OCR and how does it affect interest rates in New Zealand?
Home Loans
June 23, 2025
Kia ora! Let’s unpack the OCR — what it is, why it matters, and how it affects your mortgage and savings. 1. The OCR: Our economic steering wheel 2. How the OCR shapes interest rates When the RBNZ adjusts the OCR, it changes the cost of funds for banks. Here’s how that ripples out: 3. Why the RBNZ adjusts the...
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Why choose Lendal Mortgages for your home loan? Just ask our 5-star reviewers
Uncategorized
May 8, 2025
When it comes to finding the right mortgage broker, trust is everything. Whether you’re a first-time homebuyer or looking to refinance your current mortgage, choosing the right partner can save you time, money, and a lot of stress. That’s where Lendal Mortgages shines, backed by a high volume of 5-star reviews on Google, they’ve built a strong reputation for delivering...
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5 reasons to refinance your mortgage
Home Loans
April 13, 2025
Refinancing your mortgage can be a strategic move to enhance your financial situation. Whether you’re aiming to reduce monthly payments, access home equity, or secure a better interest rate, refinancing offers various benefits. However, it’s essential to weigh these advantages against potential costs. Here’s a comprehensive guide to help you decide if refinancing is the right choice for you. 1....
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How to Secure a Mortgage in Wellington: A Step-by-Step Guide
Home Loans
Mortgage Advisor
Mortgage Broker
March 7, 2025
Buying a home in Wellington is an exciting milestone, but navigating the home loan process can feel overwhelming—especially for first-time buyers. From mortgage pre-approval to securing the best loan, there are several key steps to follow. At Lendal Mortgages, we’re here to make the process easier. As a trusted home loan advisor in Wellington, we work with first-home buyers, property...
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Fixed vs Floating Mortgage Rates in New Zealand: Which One’s Right for You?
Home Loans
Mortgage Advisor
February 20, 2025
When you’re hunting for the right home loan, one of the biggest decisions you’ll face is whether to go with a fixed or floating mortgage rate. Both options have their pros and cons, and the right choice will depend on your financial situation, risk tolerance, and future plans. In this guide, we’ll break down the differences between fixed and floating...
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Tips for self-employed borrowers to get a mortgage in New Zealand
Home Loans
Mortgage Advisor
Mortgage Broker
January 27, 2025
For self-employed individuals in New Zealand, securing a mortgage can feel like an uphill battle. Without the steady, regular income associated with salaried jobs, self-employed borrowers often face stricter lending criteria and more extensive documentation requirements. However, with the right preparation and approach, it is entirely possible to obtain a home loan that meets your needs. This article provides practical...
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Understanding mortgage pre-approval: why it’s important and how to get it
Uncategorized
December 15, 2024
For most Kiwis, buying a home is one of the biggest financial decisions they’ll ever make. The process can be daunting, especially if you’re navigating it for the first time. One of the key steps to simplify your home-buying journey is securing mortgage pre-approval. In this article, we’ll explore what mortgage pre-approval is, why it’s crucial, and how you can...
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Highlights from the August 2024 Commerce Commission Report on New Zealand Banks
Home Loans
Mortgage Broker
September 14, 2024
Highlights from the August 2024 Commerce Commission Report on New Zealand Banks In August 2024, New Zealand’s Commerce Commission released a comprehensive report on the country’s banking sector that’s set to shape the future of financial services in the region. This report, the culmination of extensive investigations and consultations, delves into critical issues affecting the banking industry and offers recommendations...
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How a Mortgage Advisor Can Simplify Your Home Loan Process
Home Loans
Mortgage Advisor
Mortgage Broker
August 22, 2024
Are you currently in the market for a new home but feeling overwhelmed by the mortgage loan process? Navigating the world of mortgages can be complex and time-consuming, especially if you’re not familiar with the industry. Finding the right mortgage product that suits your needs can make a significant difference in your financial future. This is where a mortgage advisor...
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How Much Can I Borrow for a Home Loan
Uncategorized
June 23, 2024
A Guide on how much can you borrow for your home loan Mortgage loans provide cost-effective ways for people to purchase their first homes. However, knowing how much you can borrow to finance a house is essential because it prevents you from getting deep into debt. In New Zealand, lenders have specific criteria they use to determine how much they’re...
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Wins for home-owners from The Budget 2022
Home Loans
Mortgage Advisor
Mortgage Broker
February 13, 2024
National are calling the 2022 Budget delivered by Grant Robertson recently as the band-aid budget. And while the budget had many talking points there is one big win for first home owners! Via Kainga Ora and participating banks there was a product called “The First Home Loan”, which potentially to approved applicants allows you to purchase your first home with...
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A Few Reasons Why You Should Use A Mortgage Advisor
Home Loans
Mortgage Advisor
February 13, 2024
We Are Regulated Financial Advisors As a mortgage advisor we are regulated to give financial advice. We have qualifications in place and operate under a license which allows us to give advice on what we believe works best for you (the client). Many of the bank staff are not registered financial advisors. They will often hand you bulky economic reports...
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Loan to value ratios (LVR’s)
Commercial Loans
February 13, 2024
This blog will hopefully give you some insight into the world of LVR. LVR stands for loan to value ratio. This determines how much the bank can lend on a specific type of property (subject to all other metrics being met). I will start with the most common property type- this being owner occupied residential property. Owner occupied residential property LVR...
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Construction Loans
Construction Loans
February 13, 2024
New Zealand has a housing shortage, a common type of purchase is newly constructed properties. While current houses are often in great locations, and you can control the settlement date (move-in date), you often have to spend a lot of money on renovations to put your stamp on it. With a new build you could potentially have...
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Introduction to Lendal Mortgages
Mortgage Advisor
February 13, 2024
Lendal Mortgages is a New Zealand-based mortgage advisor, providing expert advice and tailored mortgage solutions to clients. Founded in 2020, the company is dedicated to helping people find the right mortgage for their needs, whether they are first-time home buyers, refinancing an existing loan, or investing in property. With access to over 30 lenders, Lendal Mortgages can provide a range...
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ITS ALL ABOUT PRESENTATION
Commercial Loans
February 13, 2024
Mortgage Advisors are invaluable in terms of presenting your financial position to the bank in the best possible light. Say you go to the bank direct and you let them know the reason you want funds for. The banker will nod and give you a shopping list of documents to collate to send to them. They will in turn submit...
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Commercial Property Lending
Commercial Loans
February 13, 2024
Commercial Property Loans – How Lendal Mortgages Can Help How to Access Commercial Property Lending Commercial property lending is a great way to expand your business, purchase additional properties, or start a new venture. But understanding the process and knowing what to expect can be tricky. At Lendal Mortgages, we strive to make the commercial property lending process as...
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