Our lender panel
27 lenders. None of them tells us what to recommend.
The reason breadth matters: different banks say yes to different situations. We know which ones suit which scenarios — so we don't waste your credit score on a lender who was always going to say no.
Main banks
Where most home loans live, and the first call for most applications.
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
Second-tier banks
Sharper rates for the right scenario, or more flexibility on policy than the majors.
- Heartland Bank
- SBS
- TSB
- The Cooperative Bank
Specialist non-bank lenders
When the banks say no for a reason that's nothing to do with whether you can afford the loan.
- Avanti Finance
- Basecorp Finance
- First Mortgage Trust
- General Finance
- Liberty
- Midlands
- Pepper Money
- Southern Cross Partners
- Unity
Commercial & property finance
For business, development, and the loans the residential side won't touch.
- ASAP
- BIZCAP
- CFML
- Cressida Capital
- DBR Property Financiers
- Finbase
- Funding Partners
- Pallas Capital
- Prospa
Why breadth matters
Every bank has a policy. Every borrower has a situation.
Self-employed? Recent job change? Bonus-heavy income? Inherited a deposit from overseas? The footpath out the front of the property is missing? Every one of these things changes which bank will say yes.
We've seen most of them. We know which lender to send each one to.
Wondering which lender suits?
Tell us your situation. We'll point at the right one.
A 20-minute call gets you a shortlist of lenders most likely to say yes — and the reasons why.
