Lemon Tree Finance is your partner in accessing the best finance across home, business, commercial, and asset needs. We don't just secure loans; we provide the expertise to structure and manage your debt intelligently, enabling you to achieve financial freedom faster and with more confidence.
Are you looking to take that first step onto the property ladder or expand your investment portfolio? We're here to help you secure home loan options tailored to your individual needs and goals in the property market.
Are you thinking about expanding your business or taking it to the next level in your industry? We'll guide you through the process of accessing the right capital to fuel your growth and help your business thrive.
Our expert guidance ensures your loan is strategically structured for efficient repayment and lower interest, coupled with debt management advice to help you achieve financial freedom sooner.
Are you in need of equipment or a vehicle, whether for yourself or for your business? We help find tailored asset finance solutions designed to fit your specific needs and help you achieve your goals.
We take a holistic approach to your financial health by conducting a comprehensive review of your financial position.
Finance can be overwhelming. We cut through the complexity, providing clear, easy-to-follow steps and open communication, ensuring a straightforward and jargon-free experience with effective results.
We take the time to understand your financial goals and provide customised strategies, whether it’s structuring your loan for lower repayments, paying off debt faster, or planning for long-term growth. We don’t deal in ‘one size fits all lending’ because everyone is different.
We help you structure and manage your debt effectively, ensuring you’re not just borrowing money but using it as a tool to build wealth and achieve financial independence faster.
Most financial advisors for home loans are paid a commission by the lender, so there is typically no direct cost to the client. Fees may apply in specific cases, such as for complex lending, non-bank loans, or if a loan is repaid very early. Any potential fees will be disclosed upfront.
Financial advisors have access to a wide range of lenders, allowing them to compare rates and find niche policies that suit your needs. They can also use their relationships and expertise to negotiate for better interest rates, cashback offers, and terms on your behalf. Beyond just the rate, they strategically structure your loan with a mix of products to reduce interest costs and align with your long-term goals. They provide ongoing support to ensure your loan remains optimised for your financial situation.
The timeline for a home loan application can vary, but generally follows these steps:
The total time can depend on the complexity of your application and how quickly you provide the required documents.
Minimum deposit requirements depend on your individual situation, but we'll work to maximize your options.
Asset finance can be structured as either a loan or a lease. A Hire Purchase (HP) is a loan structure where you eventually own the asset, while an Operating Lease is a lease where you use the asset but do not own it. The best option depends on your business goals, such as whether you want to own the asset for tax purposes or prefer lower payments and the flexibility to upgrade often. Both options allow you to acquire equipment, vehicles, or machinery without paying the full cost upfront.
Many people find the finance process confusing and time-consuming. We cut through the complexity, breaking it down into clear, easy-to-understand steps. Our transparent communication ensures you always know where things stand—no surprises, no jargon, just results.
Simplifying finance in New Zealand. Tailored solutions for home loans, business & commercial loans plus asset finance to help you achieve your financial future.
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