Buying a home is one of the biggest decisions you'll make, and we're here to make it easier.

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.

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Residential - Finance and advice

First Home Buyer

Buying your first home is exciting, but it can also feel overwhelming. At Lendal Mortgages, we make it simple. Our team guides you through every step, explains your options clearly, and works with lenders to secure the right solution for your situation. With expert support behind you, your first home is closer than you think.

Home Loans

From first home loan buyer in Wellington to home loan top ups or home renovation loans to forever homes. The right advice and home loan makes a difference to your life.

Investment mortgages

While many countries around the world invest mainly in shares, New Zealanders prefer investing in property. It’s a tangible investment – one you can drive by and see. Historically, residential investments have performed well in terms of capital gains.

Refinancing

Are you with the right bank or lender? Is your mortgage structure helping you achieve your goals? Let’s find out.

Refix and restructure

Your mortgage should work for you, not the other way around. Whether you’re ready to lock in a smarter rate, shift your repayment strategy, or re-structure your loan to match your evolving life, we guide you through each step with clarity and confidence.