We work with you to achieve your property and financial goals

Whether you’re a first home buyer, property investor or business owner, our team will provide you with tailored professional advice and support to achieve your financial goals.

Our Promise Our Team

Why Us?

We take the hassle out of finding and applying for a mortgage

Finding the best mortgage deal isn’t straightforward. There are multiple banks, dozens of lenders all with different options, it can be difficult to know where to start.

As mortgage advisers with years of industry experience and relationships, we present your finances in the strongest, and fastest way to obtain your loan approval and source you the best deal possible.

Being a Lending Choice client means you have a lifelong relationship with us, with mortgage advisers who remember your personal situation and will always be available to support you with your financial needs.

Why Lending Choice is the right choice for you!

Our financial advice is FREE.

The role of a mortgage adviser is to acquire new business for the lender and present them with a lending proposal acceptable to their guidelines. In turn, we are paid directly by the lender. In the rare instance, we are required by the lender to charge you a fee, we will let you know upfront.

We work with the main banks and a wide range of other reputable lenders.

We have years of experience working with the main banks and enjoy relationships with all the reputable lenders. Our team knows each lender’s criteria and keeps up to date with the changing loan subtleties so we can provide you with not only the right loan to suit you and your required timeframes.

We approach each client as an individual, not just a number.

As banks increasingly shift to digital channels, we understand the frustration many clients may feel with the banking system. We take pride in working face-to-face with our clients, taking the time to understand their unique stories and providing personalised assistance for their financial needs. Serving clients across New Zealand, we leverage technology to ensure we do so efficiently and effectively.

Our Team

All our mortgage advisers are highly reputable and have experience working inside of banks.

Adam Shepherd

Managing Director & Senior Mortgage Adviser

Specialties: Home & Investment Property Lending and Business Finance

p. 022 069 7255
e. adam@lendingchoice.co.nz

Adam Shepherd is a trusted banking advisor. Having owned and operated a successful banking franchise in Australia, this experience gave him valuable insight into both banking and small business ownership.

Born and bred in Brisbane, Adam met a Christchurch girl whilst working in the bank some 8 years ago. His now wife and young baby moved to Christchurch in 2016 where Adam has been using his banking skills and imparting valuable insight to help everyday Kiwis to achieve their both personal and business financial goals.

Having worked in two of the big corporate kiwi banks, ANZ and Westpac, Adam knows that no two individuals are the same so he takes the time to listen and uncover their needs. This ensures Adam is able to save his clients time, money and headache by securing them the best deal. His personal style gives his clients both comfort and confidence, important in what is to be a lifelong relationship.

When Adam’s not assisting clients, he’s likely be spending time with his wife and two boys who enjoy making the most of life in Canterbury.

Angus Hamilton

Mortgage Adviser

Specialties: First Home Buyers & Tradies

p. 027 973 8433
e. angus@lendingchoice.co.nz

After eight years in the plumbing industry, Angus made the uncommon leap into finance, bringing with him a practical, down-to-earth approach that his clients genuinely appreciate.

Angus specialises in making the mortgage process simple and stress-free for a wide range of clients from first-home buyers to seasoned homeowners and anyone wanting clear, straightforward advice. His background gives him a unique ability to explain complex lending in a way that makes sense.

Outside of work, Angus is a committed sportsman. He captains the Men’s Premier Team at Lancaster Park Cricket Club and when he’s not on the field, you’ll often find him on the golf course or enjoying a beer with friends and family. Most importantly, Angus is now a proud dad, embracing life with his growing family.

Cassidy Weyers

People & Operations Lead

p. 027 361 1473
e. cassidy@lendingchoice.co.nz

Cassidy began her career in finance supporting clients with vehicle and personal lending while building a strong foundation in customer service and financial processes. After gaining experience elsewhere across administration, operations, and support roles, she returned to the finance industry to join the Lending Choice team, where she plays a key part in keeping the business running smoothly behind the scenes.

As Adam’s right hand support, Cassidy manages everything from workflow and organisation to the day-to-day operations that ensure clients enjoy a seamless experience. In the office, she’s known as the “CEO – Chief Energy Officer” thanks to the fun, upbeat energy she brings each day.

Originally from South Africa, Cassidy now calls Christchurch home after relocating from Auckland to be with her partner. Outside of work, she enjoys running (usually rewarded with an iced matcha or sweet treat), spending time with loved ones and baking. She’s also a devoted cat mum to her two much-loved fur babies.

Chelsea Verdonk

Lending Analyst

p. 027 361 1473
e. chelsea@lendingchoice.co.nz

Chelsea has spent the past 12 years building a strong career in the finance industry, beginning in wealth management before moving into the mortgage space, where she has specialised for the last seven years. She holds her Level 5 qualifications in both residential lending and investments, giving her a well-rounded understanding of lending strategies and long-term financial planning.

Seeking a new opportunity to grow her expertise, Chelsea joined the Lending Choice team as a Lending Analyst, working closely with Adam to help clients achieve their lending goals. She handles the detailed background work relating to your loan application, making her a key point of contact throughout the process. Her calm, positive nature and personable communication style help ensure clients feel supported and stress-free from start to finish. In busy moments, she’s often the steady balance that keeps the team grounded.

Outside of work, Chelsea enjoys yoga and meditation and loves spending time with her partner, friends, and family. She’s happiest when she’s exploring new places or winding down with a good book or movie.

Why use a Mortgage Adviser?

As Mortgage Advisers, we have intimate knowledge of current interest rates and the application criteria for different lenders, this puts us in the best position to negotiate on your behalf.

What is a Pre-Approval?

A pre-approval gives you an indication from a lender of the maximum amount you can borrow. By getting a pre-approval you have the power to negotiate with confidence.

How does a Mortgage Adviser get paid?

For a standard mortgage, a Mortgage Adviser receives commission from the lender, as a percentage of the total loan. This means we work hard for you and the lender pays us for the result.

How much deposit do I need?

First home buyers need to have saved at least 5% deposit with 20% or more being the optimum. This can be made up from a KiwiSaver first home withdrawal and some first home buyers may also be eligible for a HomeStart Grant.

Can I borrow 100% of a property’s value?

Loan-to-value restrictions mean lenders typically only lend up to 80% for first home buyers and 40% for property investors. In many cases we can negotiate other percentages with different lenders.

How much can I borrow?

There are many factors that affect your ability to borrow such as your income, what part of the country you’re in, your assets, your debts, and your credit history. We work with you to get the best chance at lending for your situation.

Can I withdraw my Kiwisaver?

To be eligible to for the KiwiSaver First Home Withdrawal Scheme you must:
– Be purchasing your first home;
– Have been a member of KiwiSaver for a minimum of three years;
– Have your KiwiSaver account with a KiwiSaver provider that allows saving withdrawals; and Intend to live in the property for at least six months

We recommend that you contact your KiwiSaver provider and check their individual policy on withdrawals for first homes. If you are eligible to withdraw money from your KiwiSaver, you may also be eligible for a first home deposit subsidy of up to $20,000.00 from Housing New Zealand – known as a HomeStart Grant.

When is the right time to refinance your mortgage?

Refinance timing is important and dependent on your personal situation, financial goals and the life cycle of your existing loan. Speak to us about your options, Freephone 0800 578 578.