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: first home
Property: apartment · owner occupied
Loan / value: $434,000 / $620,000
LVR: 70%
Fits: 4 of 7
1
ASBTier 1 bankbest fit
score 9
Why it fits
- ✓ LVR 70% within 80% limitrbnz-lvr-001asb-lend-001
- ✓ Accepts work-visa applicants
- ✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002asb-lend-001
2
WestpacTier 1 bank
score 9
Why it fits
- ✓ LVR 70% within 80% limitrbnz-lvr-001westpac-lend-001
- ✓ Accepts work-visa applicants
- ✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002westpac-lend-001
3
Pepper MoneyTier 2 / non-bank
score 6
Why it fits
- ✓ LVR 70% within 85% limitpepper-lend-001
- ✓ Accepts work-visa applicantspepper-lend-001
- ✓ Not bound by RBNZ DTI restrictionspepper-lend-001
4
LibertyTier 2 / non-bank
score 6
Why it fits
- ✓ LVR 70% within 85% limitliberty-lend-001
- ✓ Accepts work-visa applicantsliberty-lend-001
- ✓ Not bound by RBNZ DTI restrictionsliberty-lend-001
—
ANZTier 1 bankexcluded
Why it fits
- ✓ LVR 70% within 80% limitrbnz-lvr-001anz-lend-001
- ✓ Accepts work-visa applicants
- ✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002anz-lend-001
Watch out
- ! Apartment 42m² under 50m² minimum
—
BNZTier 1 bankexcluded
Why it fits
- ✓ LVR 70% within 80% limitrbnz-lvr-001bnz-lend-001
- ✓ Accepts work-visa applicants
- ✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002bnz-lend-001
Watch out
- ! Apartment 42m² under 50m² minimum
—
KiwibankTier 1 bankexcluded
Why it fits
- ✓ LVR 70% within 80% limitrbnz-lvr-001kiwibank-lend-001
- ✓ Offers Kāinga Ora First Home Loankaingaora-fhl-002kiwibank-lend-001
Watch out
- ! Won't lend to a work-visa holderkiwibank-lend-001
- ! Apartment 42m² under 50m² minimum
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.