Lender Match

Deterministic scoring across the whole panel — every inclusion and exclusion cites a policy source. No AI in the ranking; it's fully auditable.

Calder — first home, Frankton Donaldson — investment, Invercargill Wirihana — new build, Hanley’s Farm Paterson — refinance + top-up, Wanaka Lindqvist — apartment, Queenstown CBD

Purpose: first home

Property: townhouse · owner occupied

Loan / value: $787,000 / $895,000

LVR: 88%

Fits: 0 of 7

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ANZTier 1 bankexcluded

Why it fits

✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002 anz-lend-001

Watch out

! LVR 88% exceeds 80% caprbnz-lvr-001 anz-lend-001

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ASBTier 1 bankexcluded

Why it fits

✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002 asb-lend-001

Watch out

! LVR 88% exceeds 80% caprbnz-lvr-001 asb-lend-001

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BNZTier 1 bankexcluded

Why it fits

✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002 bnz-lend-001

Watch out

! LVR 88% exceeds 80% caprbnz-lvr-001 bnz-lend-001

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WestpacTier 1 bankexcluded

Why it fits

✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002 westpac-lend-001

Watch out

! LVR 88% exceeds 80% caprbnz-lvr-001 westpac-lend-001

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KiwibankTier 1 bankexcluded

Why it fits

✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002 kiwibank-lend-001

Watch out

! LVR 88% exceeds 80% caprbnz-lvr-001 kiwibank-lend-001

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Pepper MoneyTier 2 / non-bankexcluded

Why it fits

✓ Not bound by RBNZ DTI restrictionspepper-lend-001

Watch out

! LVR 88% exceeds 85% cappepper-lend-001

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LibertyTier 2 / non-bankexcluded

Why it fits

✓ Not bound by RBNZ DTI restrictionsliberty-lend-001

Watch out

! LVR 88% exceeds 85% capliberty-lend-001

Demo runs on public lender information we collected ourselves (accessed June 2026). The production build plugs into YMT’s own Trail fact-finds and aggregator policy library.