With you
all the way

Home loans, first home buyers & refinancing solutions, we help kiwis get the best mortgage deals tailored to their goals.

When you're making the largest financial decision of your life, you need the best advice. That's where we come in.

We speak bank.
mortgages can be confusing—we make them simple. We’ll listen, then find the right loan to fit your needs.

Working with you.
We don’t stick to 9-5 so we can help you at a time that is convenient to you.

Less stress.
We work with a range of lenders, including major banks to help find mortgage options that suit your needs.

What we do

First Home Buyers

Buying your first home? We’ll guide you through deposits, repayments, and everything in between.

Refinancing

If your current mortgage isn’t working for you, we’ll help restructure it—potentially saving money and stress.

Next Home

Upsizing or investing? We'll help you plan the timing, assess your options, and secure the right loan for your next move.

Investment Property

We’ll tailor a lending strategy to your goals—making sure your investment works for you, not the other way around.

Construction Loans

Building from scratch? We’ll explain the process and secure the right finance for your land or construction project.

Lifestyle Property

Thinking of a move to the country? We know rural lending and can help make that paddock dream a reality.

Business & Commercial

Expanding, building, or investing? We connect you with the right commercial finance through trusted lenders and banks.

Vehicle Lending

Looking to purchase a new vehicle, caravan, boat or tiny home? We will walk you through the process.

How we work is simple – no jargon, no pressure, just smart advice and solid support from start to finish.

We listen
We start by getting to know you—your goals, your finances, and what you’re aiming for. no pressure, just a good honest chat.

We search
We compare options from banks and lenders to find the sharpest deals and the right structure for your needs.

We sort it
We handle the paperwork, negotiate with lenders, and guide you every step of the way. You get a better loan, with zero hassle.

Not sure you’re ready to buy just yet?

A loan pre-approval usually lasts up to 60–90 days, giving you time to house hunt with confidence. We’ll help you get everything sorted upfront, so when the right place comes along—you’re ready to move.

What our clients say

  • "They got my pre-approval sorted super fast and kept me updated the whole way. felt like they really cared, not just ticking boxes.”

    James R

  • "I am a customer of Southern Lending and overall, I've had a great experience with their services. The loan process was smooth and I was able to get the funds I needed quickly. The staff was knowledgeable and helpful, answering all of my questions and addressing any concerns I had. I would definitely recommend Southern Lending to others looking for a reliable and efficient lending company."

    — Molly H

  • “These guys know their stuff. they helped us structure the loan in a way that saved us money and made sense long term. Wouldn’t go anywhere else.”

    Liam & Kate L