Straightforward mortgage advice for New Zealand buyers
Whether you’re buying your first home, next home, or looking to refinance, we help you understand your options, structure things properly, and take the right next step.
No guesswork. No pressure. Just clear advice based on where you are right now.
Mortgage advice you can rely on
Most people come to us unsure where they stand or what their options are.
Our role is to provide clear, structured advice so you can understand your position and make confident decisions.
We work across a wide range of lenders, giving you access to options beyond a single bank and ensuring the solution fits your situation.
Whether you are ready to move forward or simply planning ahead, we will guide you on what is possible and what to do next.
Simple, guided process from start to approval
We break everything down into simple steps so you can move forward with confidence
01.
Free consultation
We start with a simple conversation to understand your situation, goals, and where you are at right now.
02.
Review your numbers
I look over your income, deposit, and position to see what lenders will consider for you.
03.
Explore your options
I compare multiple lenders and structures to find what actually works best for you, not just what one bank offers.
04.
Clear next steps
You will know exactly what you can do, what to improve if needed, and how to move forward with confidence.
Helping You Make Smarter Home Loan Decisions
At Lancewood, we specialise in finding the right lending solution for your stage of life, whether you’re buying your first home, upgrading, or refinancing. We combine years of banking and advisory experience with a modern, transparent approach that puts you in control.
How we can help
Tailored Mortgage Solutions
We guide you through every step from getting pre-approved to moving in. We’ll help you understand your borrowing power, compare lenders, and secure terms that fit your goals.
If you’re upsizing, downsizing, or building, we’ll make sure your next move is structured smartly. We can help with bridging finance, property sale timing, and new-build lending.
Markets shift, and so should your mortgage. We’ll assess whether your current structure still serves you best, compare leading rates, and manage the entire refinance process.
Why Lancewood Mortgages?
Independent advice, always on your side
We’re not tied to any one bank, so you benefit from unbiased options and our best-fit recommendation for you.
Access to New Zealand’s full lender market
We compare all major banks plus specialist lenders, so you get more choice, better options and fewer surprises.
Local expertise, national reach
Based in Dunedin, we understand the local market and settlement challenges, and we work nationwide to help you wherever you’re buying.
No cost to you, the bank pays us.
Our mortgage advice is free for almost all clients. We are paid by the lender when your loan settles, which means you get expert guidance at no extra cost and still receive fully independent recommendations tailored to your situation.
Frequently asked questions
All your lending options in one place
We compare major banks and specialist lenders for you, making the process simple
