Borrower P06 · one of twelve borrower profiles
Business-owning couple buying a household home
“A self-employed couple who have run a business for three years and previously owned a home.”
- questions
- 17
- captured answers
- 90
- 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-Q041
Borrower journey
My partner and I run a small business and want to buy a home. We've owned a home before, but not while self-employed. How will a lender work out what we can afford?
HL-Q042
Choosing a loan
My partner and I have run our own business for three years and want a home loan. We've owned a home before. Which lenders would you suggest for our situation?
HL-Q043
Borrower journey
We're self-employed and buying a home. Should we find a mortgage adviser who works with business owners, or go straight to a bank?
HL-Q044
Borrower journey
We're business owners buying a home. Our personal income isn't the same every month. How should we compare mortgage options if we want some flexibility but still need repayments we can plan around?
HL-Q045
Borrower journey
My partner and I are applying for a home loan after running our business for three years. What will the lender need from the business, and what will it need from us personally?
HL-Q046
Borrower journey
We're self-employed, buying a home and have conditional loan approval. What should we get confirmed before we commit to the property?
HL-Q048
Borrower journey
We're self-employed homeowners. In a good year we'd like to pay more off the mortgage, but we also need a buffer when income is quieter. What should we check before making extra payments?
HL-Q150
Choosing a loan
We're a self-employed couple who have run our business for three years and are buying a home, having owned one before. Which lenders would you recommend for our home loan, and why?
HL-Q151
Choosing a loan
What's the best bank for a home loan if you're self-employed and have been in business for three years?
HL-Q152
Choosing a loan
best bank home loan self employed
HL-Q153
Borrower priorities
We're a self-employed couple who have run our business for three years and are buying a home, having owned one before. 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-Q154
Borrower priorities
We're a self-employed couple who have run our business for three years and are buying a home, having owned one before. 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-Q155
Borrower priorities
We're a self-employed couple who have run our business for three years and are buying a home, having owned one before. 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-Q156
Support after purchase
We're a self-employed couple who recently bought our home, and our business income is uneven. Which lenders are best at looking after mortgage customers in our situation, and why?
HL-Q157
Support after purchase
My partner and I run a business and bought our home last year. Our income is uneven, and our bank treats us like salaried customers whenever we ask about our repayments. Are there banks that are better for self-employed homeowners?
HL-Q158
Support after purchase
Which bank is best for self-employed people who already have a mortgage and uneven income?
HL-Q159
Support after purchase
best bank for self employed mortgage customers
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 28
ANZ21 of 28 answers
ASB20 of 28 answers
BNZ20 of 28 answers
Kiwibank18 of 28 answers
Westpac16 of 28 answers- Pepper Money12 of 28 answers
- Liberty Financial8 of 28 answers
- Avanti Finance6 of 28 answers
- Resimac4 of 28 answers
SBS3 of 28 answersTSB3 of 28 answers
Co-operative2 of 28 answers- ASAP Finance1 of 28 answers
- Basecorp Finance1 of 28 answers
- Bluestone1 of 28 answers
ChatGPT
8 of 8 answers
recommended at least one named lender
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
- Pepper Money
- Liberty Financial (never named)
- Avanti Finance (never named)
- Resimac (never named)
- SBS (never named)
- Co-operative (never named)
- ASAP Finance (never named)
- Basecorp Finance (never named)
- Bluestone (never named)
Gemini
6 of 8 answers
recommended at least one named lender
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
- Pepper Money
- Liberty Financial
- Avanti Finance
- Resimac
- SBS (never named)
- Co-operative (never named)
- ASAP Finance
- Basecorp Finance
- Bluestone
Google AI Mode
4 of 6 answers
recommended at least one named lender
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
- Pepper Money
- Liberty Financial
- Avanti Finance
- Resimac
- SBS
- Co-operative
- ASAP Finance (never named)
- Basecorp Finance (never named)
- Bluestone (never named)
AI Overviews
5 of 6 answers
recommended at least one named lender
- ANZ
- ASB
- BNZ
- Kiwibank
- Westpac
- Pepper Money
- Liberty Financial
- Avanti Finance
- Resimac
- SBS
- Co-operative
- ASAP Finance (never named)
- Basecorp Finance (never named)
- Bluestone (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 · 15 answers
| Borrower | ANZ | BNZ | ASB | Westpac | Kiwibank | Pepper Money | Liberty Financial | Avanti Finance | Resimac | SBS | Co-operative | ASAP Finance | Bluestone | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business-owning couple |
Who AI recommended for ongoing support.
National support answers for this borrower, after the lending decision.
Showing all four assistants · 13 answers
| Borrower | Kiwibank | ANZ | ASB | BNZ | Westpac | Pepper Money | Basecorp Finance | Liberty Financial | Resimac |
|---|---|---|---|---|---|---|---|---|---|
| Business-owning couple |
The reasoning behind the recommendations.
AI treats this as a household mortgage with a more complicated income story. ANZ and BNZ appear in every collected national choice answer, and ASB is close behind. Pepper Money and other specialist options are often proposed if standard bank assessment does not accommodate the accounts.
The most useful reasoning concerns separating household and business finances, showing sustainable income and finding an adviser who can compare how lenders interpret the records. This is a different authored case from the solo contractor, and the report retains that distinction.
After purchase, the question is how to manage a mortgage alongside uneven business income. Kiwibank leads the corrected support comparison, with ANZ and ASB next. Answers that only praise income acceptance or application speed do not count as support recommendations. Genuine cash-flow facilities, repayment changes and explicit existing-loan restructuring do. That distinction is especially important for this persona because several answers return to underwriting despite the completed-purchase setup.
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
48%lender websites
Had sources19of 25
Showed you a link25of 25
- 1bnz.co.nz, lender websites,cited in 14 answers14
- 2asb.co.nz, lender websites,cited in 10 answers10
- 3kiwibank.co.nz, lender websites,cited in 8 answers8
- 4
mortgagesense.co.nz, businesses,cited in 8 answers8 - 5anz.co.nz, lender websites,cited in 7 answers7
- 6
fma.govt.nz, government,cited in 4 answers4
- 7
bankomb.org.nz, consumer groups,cited in 3 answers3 - 8
canstar.co.nz, comparison & tools,cited in 3 answers3 - 9
consumerprotection.govt.nz, government,cited in 3 answers3 - 10
interest.co.nz, news,cited in 3 answers3
Gemini
34%businesses
Had sources24of 25
Showed you a link0of 25
- 1
moneyhub.co.nz, comparison & tools,cited in 17 answers17 - 2
capitalfinance.nz, businesses,cited in 7 answers7 - 3platinummortgages.co.nz, other,cited in 7 answers7
- 4
genesismortgages.co.nz, businesses,cited in 6 answers6 - 5
mortgages.co.nz, comparison & tools,cited in 4 answers4 - 6
mortgagesuite.co.nz, businesses,cited in 4 answers4 - 7
opespartners.co.nz, businesses,cited in 4 answers4 - 8wealthhealth.co.nz, other,cited in 4 answers4
- 9
calculate.co.nz, comparison & tools,cited in 3 answers3 - 10
dormfin.co.nz, businesses,cited in 3 answers3
Google AI Mode
35%comparison & tools
Had sources20of 20
Showed you a link3of 20
- 1moneyhub.co.nz, comparison & tools,cited in 17 answers17
- 2peppermoney.co.nz, lender websites,cited in 8 answers8
- 3
adviser.loanmarket.co.nz, businesses,cited in 6 answers6 - 4dormfin.co.nz, businesses,cited in 4 answers4
- 5mortgagesuite.co.nz, businesses,cited in 4 answers4
- 6canstar.co.nz, comparison & tools,cited in 2 answers2
- 7capitalfinance.nz, businesses,cited in 2 answers2
- 8ilender.co.nz, other,cited in 2 answers2
- 9anz.co.nz, lender websites,cited in 1 answers1
- 10asb.co.nz, lender websites,cited in 1 answers1
AI Overviews
37%businesses
Had sources18of 20
Showed you a link11of 20
- 1moneyhub.co.nz, comparison & tools,cited in 15 answers15
- 2
finchmortgages.co.nz, businesses,cited in 9 answers9 - 3adviser.loanmarket.co.nz, businesses,cited in 8 answers8
- 4peppermoney.co.nz, lender websites,cited in 8 answers8
- 5capitalfinance.nz, businesses,cited in 7 answers7
- 6loanmarket.co.nz, businesses,cited in 7 answers7
- 7
facebook.com, social media,cited in 6 answers6 - 8mortgages.co.nz, comparison & tools,cited in 6 answers6
- 9mortgagesuite.co.nz, businesses,cited in 6 answers6
- 10
amlhomeloans.co.nz, other,cited in 5 answers5
- Lender websites
- Government
- News
- Comparison & tools
- Consumer groups
- Businesses
- Social media
- Other
A website counts once per answer, however many claims cite it. 81 of 90 answers have recorded sources.