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

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

After eight years in plumbing, Angus made a not too common shift to enter the finance industry. He balanced a full-time role while completing his certificate in financial services before joining the Lending Choice team.

Angus specialises in tailored mortgage solutions for both salaried and self-employed tradies, drawing his deep understanding of the construction industry.

Beyond his dedication to helping clients achieve their financial goals, Angus is a passionate cricketer who captains the Mens Premier Team for Lancaster Park Cricket Club. And when it’s time to unwind, you’ll likely find him on a golf course or having a beer with friends and family.

Holly Cleaver

Mortgage Adviser

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

Holly Cleaver is an accomplished property investor, having recognised the advantages of property ownership from a young age. With great excitement she purchased her first home at the age of 21, marking the beginning of her journey on the property ladder.

Holly’s commitment led her to purchase her second home and she has recently achieved a significant milestone with the purchase of her third property, guided by the expertise of Adam at Lending Choice.

Her career in finance began with Kiwibank, venturing to Brisbane in 2011 to work for Suncorp Bank HQ. Holly returned to her hometown Christchurch in 2019, applying her skills to Commercial Asset Finance, before finding her place in the Lending Choice team.

Holly is dedicated to maintaining accuracy and demonstrating a sharp eye for detail, to ensure our clients experience a seamless process and achieve their property goals.

Outside of work, Holly can be found in the garden growing a variety of vegetables and herbs which are transformed into delicious home cooked meals by her Italian fiancé. Otherwise, you will find her on the dancefloor enjoying various Latin dance styles.

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.