Residential Lending.

From first home buyers to renovations and forever homes. The right advice and home loan makes a difference to your life.

I’m committed to helping you reach your home ownership goals.

Owning a home is the Kiwi dream, perhaps you’re looking to:

Purchase your first home?
Upsize or downsize your family home?
Undertake renovations on your home?

With the right knowledge, experience and access to 20+ lenders, Lendal Mortgages can offer you the right advice to secure a home loan to purchase property and help meet your personal goals. I’ll be right by your side, every step of the way.

First home buyers.

When you’re ready to buy your first home, you want to focus on the exciting stuff - like finding the right home. Organising the finance to assist with the purchase can be daunting. You might have questions like:

  • How much money can I borrow to buy my first home?
  • What deposit do I need for a home loan?
  • Can I use my Kiwisaver to buy my first home?
  • What’s the difference between a tender and deadline sale?
  • How do I even apply for mortgage finance?

This is where Lendal Mortgages can support you. I’ll work with you in a clear, concise manner throughout the whole process. I’ll get to know you and your personal situation so I can align you with the right lender to seek pre-approval. We’ll talk through the Kiwisaver Homestart Grant and the criteria for Kiwisaver First-Home Withdrawals. I’m here to answer any questions and make this a simple, stress-free experience for you.

And once your mortgage finance is approved by your lender, I’ll stay in touch to help you with re-fix advice once your fixed terms are due.

Moving to a new home.

Whether you’re looking to upgrade your home to suit your growing family, downsize when they’ve left the nest or move to a new city - there’s many reasons to move to a new home.

Sometimes financing a new home can feel confusing. What can you do if you find a new home before you’ve sold your current one? Will you need to rent between buying and selling? Or can you align the settlement date of your current property and new property? These are all common and valid questions that I’ll support you through.

Lendal Mortgages can sort your mortgage finance for a new home while you focus on the more important things like finding a new home, prepping your house for sale and organising the movers.

Renovating your home.

Do you need to build an extension for your growing family? Renovate your dated bathroom? Plan the kitchen of your dreams? Or complete a few projects to prepare your home for sale?

Let Lendal Mortgages help you with a mortgage top-up. I’m here to offer the right advice on how to approach your bank or other lender for an additional renovation loan.  I’ll talk you through whether the additional loan amount will breach the loan to value ratio (LVR) and what this means, and what you’ll need to do and when to get your renovation loan approved.

Mortgage Repayment Calculator.

Want to get a general understanding of what your mortgage will cost you month to month?

Want to know how I can support you with your residential lending?

Tricks, tips and general info is good. But tailored advice is better.

Matt Carr | Owner | Lendal Mortgages