# How AI guides home lending in New Zealand

Edition 1 · answers collected 11 October 2026.

[Read on NZBrands.ai](https://nzbrands.ai/research/banking/home-lending)

Which lenders does AI recommend — and how does the answer change once you have the mortgage? We explored twelve borrower situations across four AI platforms and four cities.

## Study figures

| Measure | Value | Meaning |
| --- | --- | --- |
| AI platforms | 4 | ChatGPT, Gemini, Google AI Mode and AI Overviews. |
| borrower profiles | 12 | Twelve borrower situations across the customer journey. |
| questions | 193 | The complete question catalogue. |
| captured answers | 1,094 | Original captured answers across the four platforms. |
| cities | 4 | Auckland, Wellington, Christchurch and Dunedin. |
| collected | 11 Oct 2026 | 11 October 2026 |

## The borrower changes the shortlist. So does the moment.

### Borrower profiles put BNZ at the top for ongoing support.

9 of 12

Its support position spans borrowers with very different needs, from contractors to households with a completed home build.

[Explore support recommendations](https://nzbrands.ai/research/banking/home-lending#support)

### Support answers recommended SBS for first-home owners.

8 of 14

For the couple with a 10% deposit, SBS led recommendations after purchase. Co-operative followed in seven answers.

[Explore the first-home couple](https://nzbrands.ai/research/banking/home-lending/borrowers/p01)

### Loan-choice answers recommended Co-operative for a switcher.

12 of 16

Co-operative led this homeowner’s shortlist, ahead of ANZ and BNZ at ten answers each.

[Explore the switcher](https://nzbrands.ai/research/banking/home-lending/borrowers/p04)

### Loan-choice questions produced different lender shortlists across platforms.

37 of 38

We asked the same questions across four AI platforms. Their recommended lender sets differed on 37 of them.

[Compare the platforms](https://nzbrands.ai/research/banking/home-lending#platforms)

### Loan-choice answers recommended Co-operative in Christchurch versus Dunedin.

19 · 5 of 43

The same questions put Co-operative in nineteen Christchurch answers and five Dunedin answers.

[Compare the cities](https://nzbrands.ai/research/banking/home-lending#cities)

### AI Overviews answers recommended Resimac for new borrowing.

12 of 38

Resimac still appeared in the shortlist after it stopped accepting new NZ home-loan applications.

[Read the accuracy findings](https://nzbrands.ai/research/banking/home-lending#accuracy)

## Choosing a loan

## First home · 10% deposit

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 16 | 16 | 100% | 27 | 3 | 14 | 3 |
| ASB | 13 | 16 | 81% | 20 | 3 | 17 | 1 |
| BNZ | 15 | 16 | 94% | 22 | 1 | 13 | 4 |
| Westpac | 14 | 16 | 88% | 22 | 4 | 22 | 2 |
| Kiwibank | 16 | 16 | 100% | 29 | 2 | 21 | 0 |
| Co-operative | 3 | 16 | 19% | 3 | 0 | 4 | 0 |
| SBS | 7 | 16 | 44% | 10 | 0 | 6 | 0 |
| TSB | 1 | 16 | 6% | 1 | 0 | 1 | 0 |

## Solo contractor

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 15 | 16 | 94% | 28 | 1 | 26 | 6 |
| ASB | 13 | 16 | 81% | 23 | 1 | 26 | 7 |
| BNZ | 14 | 16 | 88% | 21 | 2 | 26 | 7 |
| Westpac | 13 | 16 | 81% | 17 | 2 | 25 | 6 |
| Kiwibank | 13 | 16 | 81% | 18 | 1 | 16 | 1 |
| Co-operative | 2 | 16 | 13% | 4 | 0 | 0 | 0 |
| SBS | 4 | 16 | 25% | 7 | 0 | 4 | 1 |
| TSB | 3 | 16 | 19% | 7 | 0 | 3 | 0 |

## Approaching a refix

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 9 | 13 | 69% | 19 | 0 | 14 | 3 |
| ASB | 11 | 13 | 85% | 24 | 0 | 10 | 3 |
| BNZ | 10 | 13 | 77% | 23 | 0 | 10 | 3 |
| Westpac | 13 | 13 | 100% | 37 | 0 | 10 | 3 |
| Kiwibank | 13 | 13 | 100% | 31 | 1 | 13 | 2 |
| Co-operative | 8 | 13 | 62% | 8 | 0 | 2 | 3 |
| SBS | 9 | 13 | 69% | 12 | 1 | 3 | 3 |
| TSB | 10 | 13 | 77% | 12 | 1 | 7 | 3 |

## Considering a switch

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 10 | 16 | 63% | 23 | 0 | 11 | 0 |
| ASB | 9 | 16 | 56% | 21 | 0 | 10 | 1 |
| BNZ | 10 | 16 | 63% | 20 | 0 | 12 | 2 |
| Westpac | 9 | 16 | 56% | 20 | 0 | 13 | 1 |
| Kiwibank | 9 | 16 | 56% | 18 | 0 | 11 | 1 |
| Co-operative | 12 | 16 | 75% | 13 | 0 | 9 | 1 |
| SBS | 9 | 16 | 56% | 12 | 0 | 11 | 0 |
| TSB | 1 | 16 | 6% | 1 | 0 | 0 | 0 |

## Buying before selling

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 10 | 16 | 63% | 11 | 5 | 23 | 6 |
| ASB | 14 | 16 | 88% | 20 | 4 | 19 | 5 |
| BNZ | 15 | 16 | 94% | 22 | 5 | 23 | 5 |
| Westpac | 14 | 16 | 88% | 12 | 3 | 19 | 3 |
| Kiwibank | 13 | 16 | 81% | 18 | 3 | 15 | 3 |
| Co-operative | 0 | 16 | 0% | 0 | 0 | 0 | 0 |
| SBS | 0 | 16 | 0% | 0 | 0 | 0 | 0 |
| TSB | 5 | 16 | 31% | 6 | 2 | 0 | 1 |

## Business-owning couple

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 15 | 15 | 100% | 25 | 1 | 26 | 5 |
| ASB | 14 | 15 | 93% | 21 | 1 | 25 | 4 |
| BNZ | 15 | 15 | 100% | 24 | 1 | 28 | 5 |
| Westpac | 13 | 15 | 87% | 19 | 0 | 26 | 4 |
| Kiwibank | 11 | 15 | 73% | 16 | 2 | 16 | 2 |
| Co-operative | 2 | 15 | 13% | 3 | 0 | 0 | 0 |
| SBS | 3 | 15 | 20% | 4 | 0 | 3 | 1 |
| TSB | 3 | 15 | 20% | 4 | 0 | 0 | 1 |

## First rental property

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 13 | 15 | 87% | 32 | 1 | 17 | 6 |
| ASB | 14 | 15 | 93% | 32 | 0 | 14 | 6 |
| BNZ | 13 | 15 | 87% | 35 | 0 | 13 | 7 |
| Westpac | 11 | 15 | 73% | 24 | 0 | 15 | 6 |
| Kiwibank | 11 | 15 | 73% | 21 | 1 | 13 | 2 |
| Co-operative | 3 | 15 | 20% | 5 | 0 | 0 | 0 |
| SBS | 2 | 15 | 13% | 2 | 0 | 1 | 0 |
| TSB | 4 | 15 | 27% | 4 | 0 | 2 | 0 |

## Building in stages

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 15 | 15 | 100% | 42 | 1 | 33 | 3 |
| ASB | 14 | 15 | 93% | 32 | 2 | 27 | 2 |
| BNZ | 14 | 15 | 93% | 33 | 0 | 38 | 0 |
| Westpac | 15 | 15 | 100% | 43 | 0 | 30 | 1 |
| Kiwibank | 7 | 15 | 47% | 24 | 0 | 21 | 0 |
| Co-operative | 0 | 15 | 0% | 0 | 0 | 0 | 0 |
| SBS | 3 | 15 | 20% | 7 | 0 | 0 | 0 |
| TSB | 7 | 15 | 47% | 14 | 0 | 9 | 1 |

## Income drop

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 2 | 15 | 13% | 3 | 0 | 11 | 0 |
| ASB | 2 | 15 | 13% | 4 | 0 | 11 | 0 |
| BNZ | 3 | 15 | 20% | 4 | 1 | 13 | 0 |
| Westpac | 3 | 15 | 20% | 4 | 0 | 12 | 0 |
| Kiwibank | 4 | 15 | 27% | 4 | 0 | 11 | 0 |
| Co-operative | 0 | 15 | 0% | 0 | 0 | 1 | 0 |
| SBS | 0 | 15 | 0% | 0 | 0 | 0 | 0 |
| TSB | 0 | 15 | 0% | 0 | 0 | 1 | 0 |

## Separation

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 5 | 15 | 33% | 12 | 0 | 14 | 1 |
| ASB | 8 | 15 | 53% | 13 | 0 | 16 | 1 |
| BNZ | 8 | 15 | 53% | 11 | 1 | 19 | 1 |
| Westpac | 7 | 15 | 47% | 9 | 0 | 17 | 1 |
| Kiwibank | 8 | 15 | 53% | 11 | 0 | 15 | 0 |
| Co-operative | 1 | 15 | 7% | 1 | 0 | 0 | 0 |
| SBS | 1 | 15 | 7% | 1 | 0 | 0 | 0 |
| TSB | 1 | 15 | 7% | 1 | 0 | 0 | 0 |

## First home · 25% deposit

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 16 | 16 | 100% | 20 | 3 | 13 | 2 |
| ASB | 16 | 16 | 100% | 23 | 3 | 11 | 1 |
| BNZ | 14 | 16 | 88% | 24 | 3 | 9 | 1 |
| Westpac | 14 | 16 | 88% | 20 | 2 | 10 | 1 |
| Kiwibank | 14 | 16 | 88% | 24 | 2 | 8 | 2 |
| Co-operative | 10 | 16 | 63% | 22 | 0 | 2 | 0 |
| SBS | 14 | 16 | 88% | 35 | 2 | 3 | 0 |
| TSB | 3 | 16 | 19% | 3 | 0 | 0 | 0 |

## $60,000 renovation

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 11 | 13 | 85% | 22 | 2 | 17 | 1 |
| ASB | 11 | 13 | 85% | 22 | 1 | 9 | 2 |
| BNZ | 11 | 13 | 85% | 19 | 1 | 13 | 6 |
| Westpac | 11 | 13 | 85% | 19 | 2 | 8 | 2 |
| Kiwibank | 7 | 13 | 54% | 14 | 0 | 4 | 0 |
| Co-operative | 0 | 13 | 0% | 0 | 0 | 1 | 0 |
| SBS | 1 | 13 | 8% | 1 | 0 | 1 | 0 |
| TSB | 2 | 13 | 15% | 4 | 0 | 2 | 0 |

## Support after purchase

## First home · 10% deposit

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 2 | 14 | 14% | 5 | 2 | 5 | 1 |
| ASB | 4 | 14 | 29% | 8 | 2 | 9 | 1 |
| BNZ | 6 | 14 | 43% | 13 | 1 | 7 | 2 |
| Westpac | 2 | 14 | 14% | 11 | 1 | 6 | 1 |
| Kiwibank | 6 | 14 | 43% | 21 | 0 | 9 | 0 |
| Co-operative | 7 | 14 | 50% | 19 | 0 | 6 | 1 |
| SBS | 8 | 14 | 57% | 26 | 0 | 7 | 0 |
| TSB | 2 | 14 | 14% | 3 | 0 | 0 | 1 |

## Solo contractor

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 6 | 16 | 38% | 23 | 3 | 15 | 5 |
| ASB | 5 | 16 | 31% | 19 | 1 | 14 | 3 |
| BNZ | 8 | 16 | 50% | 21 | 2 | 17 | 5 |
| Westpac | 6 | 16 | 38% | 14 | 2 | 14 | 4 |
| Kiwibank | 6 | 16 | 38% | 24 | 1 | 11 | 4 |
| Co-operative | 0 | 16 | 0% | 5 | 0 | 1 | 0 |
| SBS | 0 | 16 | 0% | 4 | 0 | 0 | 0 |
| TSB | 1 | 16 | 6% | 3 | 0 | 1 | 0 |

## Approaching a refix

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 10 | 16 | 63% | 13 | 1 | 13 | 12 |
| ASB | 9 | 16 | 56% | 12 | 3 | 15 | 9 |
| BNZ | 12 | 16 | 75% | 22 | 3 | 19 | 9 |
| Westpac | 10 | 16 | 63% | 11 | 2 | 13 | 10 |
| Kiwibank | 14 | 16 | 88% | 14 | 4 | 15 | 1 |
| Co-operative | 9 | 16 | 56% | 14 | 1 | 2 | 1 |
| SBS | 4 | 16 | 25% | 6 | 0 | 0 | 1 |
| TSB | 9 | 16 | 56% | 12 | 0 | 5 | 1 |

## Considering a switch

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 4 | 15 | 27% | 12 | 0 | 5 | 10 |
| ASB | 7 | 15 | 47% | 19 | 0 | 3 | 7 |
| BNZ | 14 | 15 | 93% | 45 | 1 | 4 | 4 |
| Westpac | 3 | 15 | 20% | 8 | 0 | 2 | 9 |
| Kiwibank | 8 | 15 | 53% | 14 | 1 | 2 | 3 |
| Co-operative | 11 | 15 | 73% | 29 | 1 | 3 | 2 |
| SBS | 4 | 15 | 27% | 10 | 0 | 2 | 3 |
| TSB | 9 | 15 | 60% | 18 | 2 | 0 | 3 |

## Buying before selling

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 14 | 16 | 88% | 23 | 3 | 12 | 3 |
| ASB | 13 | 16 | 81% | 24 | 2 | 5 | 2 |
| BNZ | 16 | 16 | 100% | 48 | 0 | 14 | 1 |
| Westpac | 11 | 16 | 69% | 25 | 0 | 13 | 1 |
| Kiwibank | 14 | 16 | 88% | 40 | 0 | 11 | 1 |
| Co-operative | 6 | 16 | 38% | 12 | 1 | 2 | 3 |
| SBS | 1 | 16 | 6% | 2 | 0 | 0 | 1 |
| TSB | 5 | 16 | 31% | 6 | 1 | 1 | 2 |

## Business-owning couple

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 6 | 13 | 46% | 23 | 1 | 17 | 4 |
| ASB | 6 | 13 | 46% | 20 | 2 | 17 | 4 |
| BNZ | 5 | 13 | 38% | 20 | 1 | 17 | 4 |
| Westpac | 3 | 13 | 23% | 13 | 1 | 9 | 4 |
| Kiwibank | 7 | 13 | 54% | 20 | 0 | 14 | 2 |
| Co-operative | 0 | 13 | 0% | 2 | 0 | 0 | 0 |
| SBS | 0 | 13 | 0% | 3 | 0 | 0 | 0 |
| TSB | 0 | 13 | 0% | 3 | 0 | 0 | 0 |

## First rental property

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 12 | 14 | 86% | 26 | 3 | 20 | 4 |
| ASB | 10 | 14 | 71% | 25 | 2 | 15 | 4 |
| BNZ | 12 | 14 | 86% | 40 | 3 | 17 | 2 |
| Westpac | 10 | 14 | 71% | 25 | 1 | 17 | 4 |
| Kiwibank | 8 | 14 | 57% | 13 | 4 | 16 | 3 |
| Co-operative | 2 | 14 | 14% | 4 | 0 | 2 | 0 |
| SBS | 1 | 14 | 7% | 1 | 0 | 1 | 0 |
| TSB | 2 | 14 | 14% | 3 | 1 | 3 | 0 |

## Building in stages

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 10 | 15 | 67% | 23 | 2 | 16 | 0 |
| ASB | 13 | 15 | 87% | 27 | 2 | 16 | 0 |
| BNZ | 14 | 15 | 93% | 24 | 2 | 17 | 0 |
| Westpac | 11 | 15 | 73% | 13 | 2 | 15 | 0 |
| Kiwibank | 11 | 15 | 73% | 16 | 1 | 11 | 0 |
| Co-operative | 6 | 15 | 40% | 13 | 1 | 2 | 0 |
| SBS | 2 | 15 | 13% | 0 | 1 | 0 | 0 |
| TSB | 5 | 15 | 33% | 9 | 2 | 1 | 0 |

## Income drop

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 6 | 16 | 38% | 16 | 0 | 22 | 0 |
| ASB | 5 | 16 | 31% | 8 | 0 | 20 | 0 |
| BNZ | 7 | 16 | 44% | 14 | 0 | 23 | 1 |
| Westpac | 6 | 16 | 38% | 10 | 0 | 23 | 1 |
| Kiwibank | 6 | 16 | 38% | 12 | 0 | 20 | 0 |
| Co-operative | 2 | 16 | 13% | 2 | 0 | 2 | 0 |
| SBS | 0 | 16 | 0% | 0 | 0 | 0 | 0 |
| TSB | 2 | 16 | 13% | 3 | 0 | 2 | 0 |

## Separation

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 4 | 15 | 27% | 18 | 1 | 16 | 4 |
| ASB | 5 | 15 | 33% | 19 | 1 | 17 | 4 |
| BNZ | 8 | 15 | 53% | 25 | 1 | 15 | 3 |
| Westpac | 5 | 15 | 33% | 16 | 1 | 17 | 3 |
| Kiwibank | 6 | 15 | 40% | 17 | 0 | 12 | 1 |
| Co-operative | 3 | 15 | 20% | 4 | 0 | 1 | 1 |
| SBS | 0 | 15 | 0% | 0 | 0 | 1 | 0 |
| TSB | 1 | 15 | 7% | 1 | 1 | 0 | 0 |

## First home · 25% deposit

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 5 | 15 | 33% | 14 | 1 | 8 | 2 |
| ASB | 8 | 15 | 53% | 13 | 1 | 6 | 2 |
| BNZ | 11 | 15 | 73% | 49 | 0 | 7 | 2 |
| Westpac | 6 | 15 | 40% | 7 | 0 | 8 | 2 |
| Kiwibank | 9 | 15 | 60% | 16 | 0 | 6 | 0 |
| Co-operative | 8 | 15 | 53% | 25 | 0 | 2 | 0 |
| SBS | 7 | 15 | 47% | 30 | 1 | 5 | 1 |
| TSB | 2 | 15 | 13% | 2 | 0 | 0 | 0 |

## $60,000 renovation

| Lender | Recommended answers | Collected answers | Share | Positive claims | Mixed claims | Neutral claims | Negative claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| ANZ | 11 | 14 | 79% | 24 | 2 | 14 | 1 |
| ASB | 8 | 14 | 57% | 15 | 1 | 14 | 2 |
| BNZ | 13 | 14 | 93% | 34 | 3 | 14 | 1 |
| Westpac | 11 | 14 | 79% | 20 | 2 | 13 | 2 |
| Kiwibank | 12 | 14 | 86% | 24 | 1 | 13 | 1 |
| Co-operative | 3 | 14 | 21% | 3 | 1 | 2 | 0 |
| SBS | 1 | 14 | 7% | 0 | 1 | 1 | 0 |
| TSB | 6 | 14 | 43% | 10 | 1 | 1 | 0 |

## Platforms

| Question group | Platform | Lender | Recommended answers | Collected answers |
| --- | --- | --- | --- | --- |
| Choosing a loan | chatgpt | BNZ | 36 | 38 |
| Choosing a loan | chatgpt | ANZ | 35 | 38 |
| Choosing a loan | chatgpt | ASB | 32 | 38 |
| Choosing a loan | chatgpt | Kiwibank | 32 | 38 |
| Choosing a loan | chatgpt | Westpac | 30 | 38 |
| Choosing a loan | chatgpt | SBS Bank | 10 | 38 |
| Choosing a loan | chatgpt | TSB | 4 | 38 |
| Choosing a loan | chatgpt | The Co-operative Bank | 4 | 38 |
| Choosing a loan | chatgpt | Pepper Money | 2 | 38 |
| Choosing a loan | chatgpt | Avanti Finance | 1 | 38 |
| Choosing a loan | chatgpt | Welcome Finance | 1 | 38 |
| Choosing a loan | gemini | Westpac | 29 | 38 |
| Choosing a loan | gemini | ANZ | 28 | 38 |
| Choosing a loan | gemini | BNZ | 28 | 38 |
| Choosing a loan | gemini | ASB | 27 | 38 |
| Choosing a loan | gemini | Kiwibank | 23 | 38 |
| Choosing a loan | gemini | SBS Bank | 12 | 38 |
| Choosing a loan | gemini | TSB | 11 | 38 |
| Choosing a loan | gemini | The Co-operative Bank | 11 | 38 |
| Choosing a loan | gemini | Liberty Financial | 7 | 38 |
| Choosing a loan | gemini | Pepper Money | 6 | 38 |
| Choosing a loan | gemini | Avanti Finance | 5 | 38 |
| Choosing a loan | gemini | Resimac | 5 | 38 |
| Choosing a loan | gemini | First Mortgage Trust | 3 | 38 |
| Choosing a loan | gemini | ASAP Finance | 2 | 38 |
| Choosing a loan | gemini | Bluestone | 2 | 38 |
| Choosing a loan | gemini | Heartland Bank | 2 | 38 |
| Choosing a loan | gemini | Simplicity | 2 | 38 |
| Choosing a loan | gemini | Squirrel | 1 | 38 |
| Choosing a loan | gemini | Unity | 1 | 38 |
| Choosing a loan | ai-mode | ASB | 32 | 38 |
| Choosing a loan | ai-mode | BNZ | 32 | 38 |
| Choosing a loan | ai-mode | ANZ | 29 | 38 |
| Choosing a loan | ai-mode | Westpac | 29 | 38 |
| Choosing a loan | ai-mode | Kiwibank | 26 | 38 |
| Choosing a loan | ai-mode | SBS Bank | 14 | 38 |
| Choosing a loan | ai-mode | TSB | 14 | 38 |
| Choosing a loan | ai-mode | The Co-operative Bank | 12 | 38 |
| Choosing a loan | ai-mode | Resimac | 9 | 38 |
| Choosing a loan | ai-mode | Pepper Money | 8 | 38 |
| Choosing a loan | ai-mode | Liberty Financial | 5 | 38 |
| Choosing a loan | ai-mode | Avanti Finance | 4 | 38 |
| Choosing a loan | ai-mode | Aster Group | 1 | 38 |
| Choosing a loan | ai-mode | Asteron | 1 | 38 |
| Choosing a loan | ai-mode | Bluestone | 1 | 38 |
| Choosing a loan | ai-mode | Fusion | 1 | 38 |
| Choosing a loan | ai-mode | Heartland Bank | 1 | 38 |
| Choosing a loan | ai-mode | Prospa | 1 | 38 |
| Choosing a loan | ai-mode | Squirrel | 1 | 38 |
| Choosing a loan | ai-mode | Velocity | 1 | 38 |
| Choosing a loan | ai-overviews | ANZ | 29 | 38 |
| Choosing a loan | ai-overviews | ASB | 28 | 38 |
| Choosing a loan | ai-overviews | Westpac | 28 | 38 |
| Choosing a loan | ai-overviews | BNZ | 27 | 38 |
| Choosing a loan | ai-overviews | Kiwibank | 26 | 38 |
| Choosing a loan | ai-overviews | SBS Bank | 14 | 38 |
| Choosing a loan | ai-overviews | Resimac | 12 | 38 |
| Choosing a loan | ai-overviews | Liberty Financial | 11 | 38 |
| Choosing a loan | ai-overviews | Pepper Money | 11 | 38 |
| Choosing a loan | ai-overviews | The Co-operative Bank | 11 | 38 |
| Choosing a loan | ai-overviews | Avanti Finance | 10 | 38 |
| Choosing a loan | ai-overviews | TSB | 5 | 38 |
| Choosing a loan | ai-overviews | ASAP Finance | 4 | 38 |
| Choosing a loan | ai-overviews | Squirrel | 3 | 38 |
| Choosing a loan | ai-overviews | Basecorp Finance | 1 | 38 |
| Choosing a loan | ai-overviews | First Mortgage Trust | 1 | 38 |
| Support after purchase | chatgpt | BNZ | 32 | 35 |
| Support after purchase | chatgpt | Kiwibank | 29 | 35 |
| Support after purchase | chatgpt | ANZ | 25 | 35 |
| Support after purchase | chatgpt | ASB | 23 | 35 |
| Support after purchase | chatgpt | Westpac | 17 | 35 |
| Support after purchase | chatgpt | The Co-operative Bank | 10 | 35 |
| Support after purchase | chatgpt | TSB | 7 | 35 |
| Support after purchase | chatgpt | SBS Bank | 4 | 35 |
| Support after purchase | chatgpt | Pepper Money | 1 | 35 |
| Support after purchase | gemini | BNZ | 20 | 35 |
| Support after purchase | gemini | Kiwibank | 19 | 35 |
| Support after purchase | gemini | Westpac | 18 | 35 |
| Support after purchase | gemini | ANZ | 17 | 35 |
| Support after purchase | gemini | ASB | 17 | 35 |
| Support after purchase | gemini | The Co-operative Bank | 9 | 35 |
| Support after purchase | gemini | TSB | 7 | 35 |
| Support after purchase | gemini | SBS Bank | 6 | 35 |
| Support after purchase | gemini | Simplicity | 1 | 35 |
| Support after purchase | ai-mode | BNZ | 20 | 35 |
| Support after purchase | ai-mode | Kiwibank | 19 | 35 |
| Support after purchase | ai-mode | ASB | 17 | 35 |
| Support after purchase | ai-mode | The Co-operative Bank | 16 | 35 |
| Support after purchase | ai-mode | ANZ | 14 | 35 |
| Support after purchase | ai-mode | Westpac | 14 | 35 |
| Support after purchase | ai-mode | TSB | 13 | 35 |
| Support after purchase | ai-mode | SBS Bank | 3 | 35 |
| Support after purchase | ai-mode | Avanti Finance | 1 | 35 |
| Support after purchase | ai-mode | Liberty Financial | 1 | 35 |
| Support after purchase | ai-mode | Pepper Money | 1 | 35 |
| Support after purchase | ai-overviews | BNZ | 26 | 35 |
| Support after purchase | ai-overviews | Westpac | 18 | 35 |
| Support after purchase | ai-overviews | Kiwibank | 15 | 35 |
| Support after purchase | ai-overviews | ASB | 13 | 35 |
| Support after purchase | ai-overviews | ANZ | 12 | 35 |
| Support after purchase | ai-overviews | The Co-operative Bank | 11 | 35 |
| Support after purchase | ai-overviews | TSB | 7 | 35 |
| Support after purchase | ai-overviews | SBS Bank | 6 | 35 |
| Support after purchase | ai-overviews | Heartland Bank | 1 | 35 |
| Support after purchase | ai-overviews | Liberty Financial | 1 | 35 |

## Cities

[Auckland](https://nzbrands.ai/research/banking/home-lending/cities/auckland)

[Wellington](https://nzbrands.ai/research/banking/home-lending/cities/wellington)

[Christchurch](https://nzbrands.ai/research/banking/home-lending/cities/christchurch)

[Dunedin](https://nzbrands.ai/research/banking/home-lending/cities/dunedin)

| Question group | City | Lender | Recommended answers | Collected answers |
| --- | --- | --- | --- | --- |
| Choosing a loan | auckland | ANZ | 35 | 43 |
| Choosing a loan | auckland | ASB | 33 | 43 |
| Choosing a loan | auckland | Westpac | 33 | 43 |
| Choosing a loan | auckland | BNZ | 32 | 43 |
| Choosing a loan | auckland | Kiwibank | 32 | 43 |
| Choosing a loan | auckland | SBS Bank | 12 | 43 |
| Choosing a loan | auckland | The Co-operative Bank | 12 | 43 |
| Choosing a loan | auckland | TSB | 9 | 43 |
| Choosing a loan | auckland | Resimac | 8 | 43 |
| Choosing a loan | auckland | Pepper Money | 6 | 43 |
| Choosing a loan | auckland | Avanti Finance | 3 | 43 |
| Choosing a loan | auckland | Bluestone | 3 | 43 |
| Choosing a loan | auckland | Liberty Financial | 3 | 43 |
| Choosing a loan | auckland | Basecorp Finance | 2 | 43 |
| Choosing a loan | auckland | Squirrel | 2 | 43 |
| Choosing a loan | auckland | ASAP Finance | 1 | 43 |
| Choosing a loan | auckland | First Mortgage Trust | 1 | 43 |
| Choosing a loan | auckland | Heartland Bank | 1 | 43 |
| Choosing a loan | auckland | Libertine | 1 | 43 |
| Choosing a loan | christchurch | ANZ | 35 | 43 |
| Choosing a loan | christchurch | Westpac | 34 | 43 |
| Choosing a loan | christchurch | BNZ | 33 | 43 |
| Choosing a loan | christchurch | ASB | 32 | 43 |
| Choosing a loan | christchurch | Kiwibank | 29 | 43 |
| Choosing a loan | christchurch | The Co-operative Bank | 19 | 43 |
| Choosing a loan | christchurch | SBS Bank | 16 | 43 |
| Choosing a loan | christchurch | TSB | 9 | 43 |
| Choosing a loan | christchurch | Pepper Money | 7 | 43 |
| Choosing a loan | christchurch | Resimac | 7 | 43 |
| Choosing a loan | christchurch | Liberty Financial | 6 | 43 |
| Choosing a loan | christchurch | Avanti Finance | 5 | 43 |
| Choosing a loan | christchurch | Bluestone | 4 | 43 |
| Choosing a loan | christchurch | Asteron | 1 | 43 |
| Choosing a loan | christchurch | Basecorp Finance | 1 | 43 |
| Choosing a loan | christchurch | First Mortgage Trust | 1 | 43 |
| Choosing a loan | christchurch | Heartland Bank | 1 | 43 |
| Choosing a loan | dunedin | ANZ | 33 | 43 |
| Choosing a loan | dunedin | BNZ | 33 | 43 |
| Choosing a loan | dunedin | Kiwibank | 33 | 43 |
| Choosing a loan | dunedin | ASB | 32 | 43 |
| Choosing a loan | dunedin | Westpac | 32 | 43 |
| Choosing a loan | dunedin | SBS Bank | 15 | 43 |
| Choosing a loan | dunedin | TSB | 13 | 43 |
| Choosing a loan | dunedin | Pepper Money | 5 | 43 |
| Choosing a loan | dunedin | The Co-operative Bank | 5 | 43 |
| Choosing a loan | dunedin | Avanti Finance | 4 | 43 |
| Choosing a loan | dunedin | Liberty Financial | 4 | 43 |
| Choosing a loan | dunedin | Resimac | 4 | 43 |
| Choosing a loan | dunedin | ASAP Finance | 1 | 43 |
| Choosing a loan | dunedin | Asteron | 1 | 43 |
| Choosing a loan | dunedin | Basecorp Finance | 1 | 43 |
| Choosing a loan | dunedin | Bluestone | 1 | 43 |
| Choosing a loan | dunedin | Squirrel | 1 | 43 |
| Choosing a loan | wellington | ANZ | 34 | 43 |
| Choosing a loan | wellington | ASB | 34 | 43 |
| Choosing a loan | wellington | Westpac | 33 | 43 |
| Choosing a loan | wellington | BNZ | 32 | 43 |
| Choosing a loan | wellington | Kiwibank | 32 | 43 |
| Choosing a loan | wellington | SBS Bank | 12 | 43 |
| Choosing a loan | wellington | TSB | 10 | 43 |
| Choosing a loan | wellington | Resimac | 9 | 43 |
| Choosing a loan | wellington | The Co-operative Bank | 9 | 43 |
| Choosing a loan | wellington | Liberty Financial | 7 | 43 |
| Choosing a loan | wellington | Pepper Money | 6 | 43 |
| Choosing a loan | wellington | ASAP Finance | 2 | 43 |
| Choosing a loan | wellington | Avanti Finance | 2 | 43 |
| Choosing a loan | wellington | Bluestone | 2 | 43 |
| Choosing a loan | wellington | Basecorp Finance | 1 | 43 |
| Choosing a loan | wellington | First Credit Union | 1 | 43 |
| Choosing a loan | wellington | First Mortgage Trust | 1 | 43 |
| Choosing a loan | wellington | NBS | 1 | 43 |
| Choosing a loan | wellington | Unity | 1 | 43 |
| Support after purchase | auckland | BNZ | 35 | 42 |
| Support after purchase | auckland | ASB | 33 | 42 |
| Support after purchase | auckland | Kiwibank | 32 | 42 |
| Support after purchase | auckland | ANZ | 30 | 42 |
| Support after purchase | auckland | Westpac | 30 | 42 |
| Support after purchase | auckland | The Co-operative Bank | 23 | 42 |
| Support after purchase | auckland | TSB | 10 | 42 |
| Support after purchase | auckland | SBS Bank | 8 | 42 |
| Support after purchase | christchurch | Kiwibank | 36 | 42 |
| Support after purchase | christchurch | BNZ | 33 | 42 |
| Support after purchase | christchurch | ASB | 31 | 42 |
| Support after purchase | christchurch | Westpac | 25 | 42 |
| Support after purchase | christchurch | ANZ | 24 | 42 |
| Support after purchase | christchurch | The Co-operative Bank | 22 | 42 |
| Support after purchase | christchurch | SBS Bank | 14 | 42 |
| Support after purchase | christchurch | TSB | 13 | 42 |
| Support after purchase | christchurch | Heartland Bank | 1 | 42 |
| Support after purchase | christchurch | NBS | 1 | 42 |
| Support after purchase | christchurch | Resimac | 1 | 42 |
| Support after purchase | dunedin | BNZ | 31 | 42 |
| Support after purchase | dunedin | Kiwibank | 26 | 42 |
| Support after purchase | dunedin | ASB | 24 | 42 |
| Support after purchase | dunedin | Westpac | 20 | 42 |
| Support after purchase | dunedin | ANZ | 18 | 42 |
| Support after purchase | dunedin | The Co-operative Bank | 17 | 42 |
| Support after purchase | dunedin | TSB | 11 | 42 |
| Support after purchase | dunedin | SBS Bank | 9 | 42 |
| Support after purchase | dunedin | Avanti Finance | 1 | 42 |
| Support after purchase | dunedin | Liberty Financial | 1 | 42 |
| Support after purchase | dunedin | Pepper Money | 1 | 42 |
| Support after purchase | wellington | BNZ | 29 | 42 |
| Support after purchase | wellington | Kiwibank | 26 | 42 |
| Support after purchase | wellington | ASB | 24 | 42 |
| Support after purchase | wellington | The Co-operative Bank | 22 | 42 |
| Support after purchase | wellington | ANZ | 18 | 42 |
| Support after purchase | wellington | Westpac | 18 | 42 |
| Support after purchase | wellington | TSB | 10 | 42 |
| Support after purchase | wellington | SBS Bank | 7 | 42 |
| Support after purchase | wellington | Pepper Money | 1 | 42 |
| Support after purchase | wellington | Resimac | 1 | 42 |

## Borrower profiles

[First home · 10% deposit](https://nzbrands.ai/research/banking/home-lending/borrowers/p01)

[Solo contractor](https://nzbrands.ai/research/banking/home-lending/borrowers/p02)

[Approaching a refix](https://nzbrands.ai/research/banking/home-lending/borrowers/p03)

[Considering a switch](https://nzbrands.ai/research/banking/home-lending/borrowers/p04)

[Buying before selling](https://nzbrands.ai/research/banking/home-lending/borrowers/p05)

[Business-owning couple](https://nzbrands.ai/research/banking/home-lending/borrowers/p06)

[First rental property](https://nzbrands.ai/research/banking/home-lending/borrowers/p07)

[Building in stages](https://nzbrands.ai/research/banking/home-lending/borrowers/p08)

[Income drop](https://nzbrands.ai/research/banking/home-lending/borrowers/p09)

[Separation](https://nzbrands.ai/research/banking/home-lending/borrowers/p10)

[First home · 25% deposit](https://nzbrands.ai/research/banking/home-lending/borrowers/p11)

[$60,000 renovation](https://nzbrands.ai/research/banking/home-lending/borrowers/p12)

## Accuracy and currency

### Resimac · New borrowing

What the answer said: Resimac: Another prominent non-bank lender in New Zealand offering prime and specialist lending options for borrowers with non-traditional income histories.

What the official source says: Resimac stopped accepting new NZ home-loan applications on 1 July 2024. It continues servicing existing customers.

[Resimac NZ](https://www.resimac.co.nz/) · 11 October 2026.

[Read the captured answer](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q011/#answer-b21f1ca8-e958-4771-a5ef-fee8e1e9696b)

### Resimac · New borrowing

What the answer said: Resimac NZ: Provides tailored solutions for borrowers who do not fit the rigid criteria of traditional banks.

What the official source says: Resimac stopped accepting new NZ home-loan applications on 1 July 2024. It continues servicing existing customers.

[Resimac NZ](https://www.resimac.co.nz/) · 11 October 2026.

[Read the captured answer](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q011/#answer-a0a468c9-8a0a-49a3-ad25-671dac6e4e54)

### Heartland Bank · New borrowing

What the answer said: The Co-operative Bank & Heartland Bank: Why compare: Smaller New Zealand-owned banks or building societies frequently run targeted campaigns featuring slightly discounted fixed rates or flexible cashback packages to attract quality borrowers away from the big four.

What the official source says: Heartland’s standard home loans are closed to new customers. Top-ups and increases are also unavailable.

[Heartland home loans](https://www.heartland.co.nz/home-loans) · 11 October 2026.

[Read the captured answer](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q025/#answer-c80620b8-275b-4df9-92d6-5df3f60a1713)

### Asteron · Provider role

What the answer said: If mainstream retail banks decline your refinance application due to the income drop, non-bank lenders (such as Resimac, Asteron, or specialized second-tier lenders) focus more heavily on your equity (how much of the house you own) and your proven payment history rather than rigid income formulas.

What the official source says: Asteron Life is an insurer offering life insurance and income protection. It is not a mortgage lender.

[Asteron Life](https://www.asteronlife.co.nz/) · 11 October 2026.

[Read the captured answer](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q182/#answer-5b7f8f61-0690-4542-a8b0-ae294f0b3d58)

## Sources

## chatgpt

| Website | Answers with this website recorded |
| --- | --- |
| bnz.co.nz | 162 |
| kiwibank.co.nz | 102 |
| anz.co.nz | 98 |
| asb.co.nz | 87 |
| canstar.co.nz | 70 |
| westpac.co.nz | 63 |
| fma.govt.nz | 60 |
| consumerprotection.govt.nz | 56 |
| bankomb.org.nz | 46 |
| rbnz.govt.nz | 45 |

## gemini

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 98 |
| opespartners.co.nz | 42 |
| canstar.co.nz | 40 |
| calculate.co.nz | 38 |
| simpler.co.nz | 36 |
| bnz.co.nz | 32 |
| kiwibank.co.nz | 32 |
| anz.co.nz | 27 |
| westpac.co.nz | 25 |
| mortgagelab.co.nz | 20 |

## ai-mode

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 114 |
| canstar.co.nz | 65 |
| westpac.co.nz | 36 |
| bnz.co.nz | 33 |
| consumer.org.nz | 21 |
| squirrel.co.nz | 21 |
| kiwibank.co.nz | 18 |
| adviser.loanmarket.co.nz | 16 |
| asb.co.nz | 16 |
| simpler.co.nz | 16 |

## ai-overviews

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 119 |
| canstar.co.nz | 78 |
| squirrel.co.nz | 71 |
| bnz.co.nz | 63 |
| facebook.com | 61 |
| simpler.co.nz | 60 |
| westpac.co.nz | 58 |
| mortgages.co.nz | 50 |
| moneybalance.co.nz | 46 |
| finchmortgages.co.nz | 43 |

## Method and evidence

[Read the method](https://nzbrands.ai/research/banking/home-lending/method)

[Methodology (Markdown)](https://nzbrands.ai/research/banking/home-lending/method.md)

[Explore the evidence](https://nzbrands.ai/research/banking/home-lending/evidence)

[How we stay independent](https://nzbrands.ai/about/independence)