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, FranktonDonaldson — investment, InvercargillWirihana — new build, Hanley’s FarmPaterson — refinance + top-up, WanakaLindqvist — apartment, Queenstown CBD
Purpose: construction
Property: construction · owner occupied
Loan / value: $977,500 / $1,150,000
LVR: 85%
Fits: 7 of 7
1
ANZTier 1 bankbest fit
score 6
Why it fits
- ✓ New build — exempt from the LVR speed limitrbnz-lvr-002
- ✓ Self-employed income accepted (5.0 yr trading)anz-income-001
2
ASBTier 1 bank
score 6
Why it fits
- ✓ New build — exempt from the LVR speed limitrbnz-lvr-002
- ✓ Self-employed income accepted (5.0 yr trading)asb-lend-001
3
BNZTier 1 bank
score 6
Why it fits
- ✓ New build — exempt from the LVR speed limitrbnz-lvr-002
- ✓ Self-employed income accepted (5.0 yr trading)bnz-lend-001
4
WestpacTier 1 bank
score 6
Why it fits
- ✓ New build — exempt from the LVR speed limitrbnz-lvr-002
- ✓ Self-employed income accepted (5.0 yr trading)westpac-lend-001
5
KiwibankTier 1 bank
score 6
Why it fits
- ✓ New build — exempt from the LVR speed limitrbnz-lvr-002
- ✓ Self-employed income accepted (5.0 yr trading)
6
Pepper MoneyTier 2 / non-bank
score 6
Why it fits
- ✓ LVR 85% within 85% limitpepper-lend-001
- ✓ Self-employed income accepted (5.0 yr trading)pepper-income-001
- ✓ Not bound by RBNZ DTI restrictionspepper-lend-001
7
LibertyTier 2 / non-bank
score 6
Why it fits
- ✓ LVR 85% within 85% limitliberty-lend-001
- ✓ Self-employed income accepted (5.0 yr trading)liberty-income-001
- ✓ Not bound by RBNZ DTI restrictionsliberty-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.