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First Home Buyers Hub

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  • 01

Posted in Guides and Insights.

Help for first home buyers—what’s available to you

Thinking about stepping onto the property ladder? First home buyers can access plenty of help, from Kiwisaver to government grants. Learn about your options

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2 Minutes

Posted in Guides and Insights.

The benefits of a broker—should you get help or go it alone?

If you're weighing up whether to navigate the home loan process on your own or work with a mortgage broker, you can learn more about your options here.

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5 Minutes

Posted in Guides and Insights.

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Terminology

Floating Interest Rate

An interest rate that fluctuates, going up and down depending on what the market is doing. Find out more about fixed and floating interest rates here.

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¹All approvals are subject to responsible lending inquiries. If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.

²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan.

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.