Borrower P01 · one of twelve borrower profiles
First-home couple with a 10% deposit
“A salaried couple buying their first home, with about a 10% deposit and little mortgage experience.”
- questions
- 18
- captured answers
- 101
- AI platforms
- 4
- collected
- 11 Oct 2026
Read what this borrower asked.
Open a question to compare the complete answers, including those asked from the four cities.
HL-Q001
Borrower journey
My partner and I want to buy our first home. We both have salaried jobs and about a 10% deposit. Are we ready to start talking to banks, or should we keep saving?
HL-Q002
Borrower journey
We're buying our first home and have about a 10% deposit. Neither of us knows much about mortgages. Should we start with our bank or talk to a mortgage adviser?
HL-Q003
Choosing a loan
We're a couple buying our first home. We both have salaried jobs, about a 10% deposit and little experience with mortgages. Which lenders would you suggest we talk to first, and why?
HL-Q004
Borrower journey
We're buying our first home with about a 10% deposit. We want repayments we can comfortably manage, but we'd also like to pay extra when we can. What should we look for in a mortgage?
HL-Q005
Borrower journey
My partner and I are getting ready to apply for our first home loan. We're both salaried and have about a 10% deposit. What paperwork should we get together before we apply?
HL-Q006
Borrower journey
We've got conditional pre-approval for our first home loan and have found a house we like. Does that mean we can make an unconditional offer, or are there more things to check?
HL-Q008
Borrower journey
We've just bought our first home and don't really understand the rules about extra mortgage payments. If we have a bit left over each month, what's a sensible way to use it?
HL-Q009
Borrower journey
We're in our first year of owning a home and the mortgage payments are getting tight. We haven't missed any yet. What should we do before it becomes a bigger problem?
HL-Q100
Choosing a loan
We're a salaried couple buying our first home with about a 10% deposit and little experience with mortgages. Which lenders would you recommend for our home loan, and why?
HL-Q101
Choosing a loan
What's the best bank for a first home loan if we're a salaried couple with about a 10% deposit?
HL-Q102
Choosing a loan
best bank for first home buyers with 10% deposit
HL-Q103
Borrower priorities
We're a salaried couple buying our first home with about a 10% deposit and little experience with mortgages. What matters most to us is keeping the total cost as low as possible. Which lenders would you recommend for our home loan, and why?
HL-Q104
Borrower priorities
We're a salaried couple buying our first home with about a 10% deposit and little experience with mortgages. What matters most to us is being able to pay extra or change our repayments when we need to. Which lenders would you recommend for our home loan, and why?
HL-Q105
Borrower priorities
We're a salaried couple buying our first home with about a 10% deposit and little experience with mortgages. What matters most to us is getting good help and advice when we need it. Which lenders would you recommend for our home loan, and why?
HL-Q106
Support after purchase
We're a salaried couple who recently bought our first home with about a 10% deposit, and we're still learning how our mortgage works. Which lenders are best at looking after mortgage customers in our situation, and why?
HL-Q107
Support after purchase
We bought our first home last year with about a 10% deposit and we're both on salaries. Our bank is hard to get clear answers from about our mortgage. Are some banks better at helping first-home owners, and would it be worth moving?
HL-Q108
Support after purchase
Which bank has the best mortgage customer service for first-home owners who bought with about a 10% deposit?
HL-Q109
Support after purchase
best bank mortgage support first home owners 10% deposit
Which lenders AI put in front of this borrower
The national loan-choice and support answers, with the lenders each assistant recommended.
Answers recommending each lender, out of 30
Kiwibank22 of 30 answers
BNZ21 of 30 answers
ANZ18 of 30 answers
ASB17 of 30 answers
Westpac16 of 30 answers
SBS15 of 30 answers
Co-operative10 of 30 answersTSB3 of 30 answers
Unity1 of 30 answers
ChatGPT
7 of 8 answers
recommended at least one named lender
- Kiwibank
- BNZ
- ANZ
- ASB
- Westpac
- SBS
- Co-operative
- Unity (never named)
Gemini
7 of 8 answers
recommended at least one named lender
- Kiwibank
- BNZ
- ANZ
- ASB
- Westpac
- SBS
- Co-operative
- Unity
Google AI Mode
6 of 7 answers
recommended at least one named lender
- Kiwibank
- BNZ
- ANZ
- ASB
- Westpac
- SBS
- Co-operative
- Unity (never named)
AI Overviews
5 of 7 answers
recommended at least one named lender
- Kiwibank
- BNZ
- ANZ
- ASB
- Westpac
- SBS
- Co-operative
- Unity (never named)
Which lenders AI recommended for the loan.
National choice answers for this borrower. Open a lender to read the evidence.
Showing all four assistants · 16 answers
| Borrower | ANZ | Kiwibank | BNZ | Westpac | ASB | SBS | Co-operative | Unity | |
|---|---|---|---|---|---|---|---|---|---|
| First home · 10% deposit |
Who AI recommended for ongoing support.
National support answers for this borrower, after the lending decision.
Showing all four assistants · 14 answers
| Borrower | SBS | Co-operative | BNZ | Kiwibank | ASB | ANZ | Westpac | |
|---|---|---|---|---|---|---|---|---|
| First home · 10% deposit |
The reasoning behind the recommendations.
The recommendation starts with access to lending. AI discusses whether the deposit and household income fit a lender's assessment, what extra pricing may apply, and how to navigate a first mortgage. ANZ and Kiwibank are included in every national choice answer. BNZ is close behind, so this is a broad mainstream route rather than a single-bank instruction.
The support comparison creates a different story. After the home is bought, the relevant questions become understanding repayments, getting accessible help and managing the mortgage as equity changes. SBS leads the support table, followed by Co-operative. The smaller banks gain favourable positioning through education, personal attention and the first-home relationship.
The implication is that first-home acquisition and first-home ownership need separate explanations. A lender can be widely suggested as a place to apply without receiving the same prominence as a place to seek help once the mortgage exists.
Where the answers to this borrower came from
The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.
ChatGPT
50%lender websites
Had sources24of 26
Showed you a link26of 26
- 1bnz.co.nz, lender websites,cited in 17 answers17
- 2
rbnz.govt.nz, government,cited in 15 answers15 - 3kiwibank.co.nz, lender websites,cited in 13 answers13
- 4
kaingaora.govt.nz, government,cited in 11 answers11 - 5anz.co.nz, lender websites,cited in 10 answers10
- 6asb.co.nz, lender websites,cited in 8 answers8
- 7
canstar.co.nz, comparison & tools,cited in 7 answers7 - 8westpac.co.nz, lender websites,cited in 7 answers7
- 9
sorted.org.nz, government,cited in 5 answers5 - 10
consumer.org.nz, consumer groups,cited in 4 answers4
Gemini
37%lender websites
Had sources24of 26
Showed you a link1of 26
- 1
moneyhub.co.nz, comparison & tools,cited in 15 answers15 - 2kiwibank.co.nz, lender websites,cited in 7 answers7
- 3westpac.co.nz, lender websites,cited in 6 answers6
- 4asb.co.nz, lender websites,cited in 5 answers5
- 5
globalfinance.co.nz, businesses,cited in 5 answers5 - 6
mortgagemanagers.co.nz, businesses,cited in 5 answers5 - 7bnz.co.nz, lender websites,cited in 3 answers3
- 8
calculate.co.nz, comparison & tools,cited in 3 answers3 - 9canstar.co.nz, comparison & tools,cited in 3 answers3
- 10kaingaora.govt.nz, government,cited in 3 answers3
Google AI Mode
28%lender websites
Had sources23of 24
Showed you a link11of 24
- 1kiwibank.co.nz, lender websites,cited in 10 answers10
- 2moneyhub.co.nz, comparison & tools,cited in 10 answers10
- 3canstar.co.nz, comparison & tools,cited in 4 answers4
- 4globalfinance.co.nz, businesses,cited in 4 answers4
- 5kaingaora.govt.nz, government,cited in 3 answers3
- 6westpac.co.nz, lender websites,cited in 3 answers3
- 7
become.nz, businesses,cited in 2 answers2 - 8bnz.co.nz, lender websites,cited in 2 answers2
- 9
facebook.com, social media,cited in 2 answers2 - 10
mortgagelab.co.nz, businesses,cited in 2 answers2
AI Overviews
30%other
Had sources25of 25
Showed you a link11of 25
- 1moneyhub.co.nz, comparison & tools,cited in 15 answers15
- 2canstar.co.nz, comparison & tools,cited in 12 answers12
- 3kaingaora.govt.nz, government,cited in 10 answers10
- 4westpac.co.nz, lender websites,cited in 10 answers10
- 5kiwibank.co.nz, lender websites,cited in 9 answers9
- 6facebook.com, social media,cited in 8 answers8
- 7asb.co.nz, lender websites,cited in 7 answers7
- 8bnz.co.nz, lender websites,cited in 6 answers6
- 9
finchmortgages.co.nz, businesses,cited in 6 answers6 - 10mortgagemanagers.co.nz, businesses,cited in 6 answers6
- Lender websites
- Government
- News
- Comparison & tools
- Consumer groups
- Businesses
- Social media
- Other
A website counts once per answer, however many claims cite it. 96 of 101 answers have recorded sources.