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…
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…
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…
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…
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…
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…
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…