Borrower P09 · one of twelve borrower profiles

Household facing an income drop

“An owner-occupier household with reduced income, little financial buffer and no missed payments.”

questions: 12
captured answers: 77
AI platforms: 4
collected: 11 Oct 2026

01 · Questions and answers

Read what this borrower asked.

Open a question to compare the complete answers, including those asked from the four cities.

HL-Q064
Borrower journey
Our household income has dropped and we're worried about keeping up with the mortgage. We haven't missed a payment, but don't have much spare money. What should we do first?
3 answersRead the answers to HL-Q064
HL-Q065
Borrower journey
We're homeowners and our income has fallen. What sort of help can we ask our lender for, and what information will they need?
3 answersRead the answers to HL-Q065
HL-Q066
Choosing a loan
Our income has fallen and our mortgage is getting hard to manage. Are there lenders worth talking to about a different loan, or would asking our current bank for help make more sense?
4 answersRead the answers to HL-Q066
HL-Q068
Borrower journey
Our income has dropped and we're trying to lower our mortgage payments. If we spread the loan over longer, how do we weigh the breathing room now against the cost later?
4 answersRead the answers to HL-Q068
HL-Q069
Borrower journey
Our income has fallen and we're struggling with our home loan. If we don't feel we're getting useful help from the lender, who else can we speak to?
4 answersRead the answers to HL-Q069
HL-Q180
Choosing a loan
Our household income has dropped, we have little buffer and we haven't missed a mortgage payment yet. Which lenders would you recommend for our home loan, and why?
19 answersRead the answers to HL-Q180
HL-Q181
Choosing a loan
Which bank is best to move a mortgage to if your income has dropped and repayments are getting hard?
4 answersRead the answers to HL-Q181
HL-Q182
Choosing a loan
refinance mortgage after income drop which bank
4 answersRead the answers to HL-Q182
HL-Q183
Support after purchase
Our household income has dropped, we have little buffer and we haven't missed a mortgage payment yet. Which lenders are best at looking after mortgage customers in our situation, and why?
20 answersRead the answers to HL-Q183
HL-Q184
Support after purchase
Our income has dropped and we're worried about the mortgage, though we haven't missed a payment. Before we call our bank, I'd like to know which banks are known for treating customers well when repayments get hard.
4 answersRead the answers to HL-Q184
HL-Q185
Support after purchase
Which bank is best for helping customers whose income has dropped and who are struggling with mortgage repayments?
4 answersRead the answers to HL-Q185
HL-Q186
Support after purchase
best bank mortgage help after income drop
4 answersRead the answers to HL-Q186

02 · Lenders recommended

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 31

BNZ10 of 31 answers
Kiwibank10 of 31 answers
Westpac9 of 31 answers
ANZ8 of 31 answers
ASB7 of 31 answers
Resimac4 of 31 answers
Pepper Money2 of 31 answers
TSB2 of 31 answers
Co-operative2 of 31 answers
Asteron1 of 31 answers
Avanti Finance1 of 31 answers
Basecorp Finance1 of 31 answers
Bluestone1 of 31 answers
Liberty Financial1 of 31 answers

ChatGPT
7 of 8 answers
recommended at least one named lender
- BNZ
- Kiwibank
- Westpac
- ANZ
- ASB
- Resimac (never named)
- Pepper Money (never named)
- TSB (never named)
- Co-operative (never named)
- Asteron (never named)
- Avanti Finance (never named)
- Basecorp Finance (never named)
- Bluestone (never named)
- Liberty Financial (never named)
Gemini
3 of 8 answers
recommended at least one named lender
- BNZ
- Kiwibank
- Westpac
- ANZ (never named)
- ASB
- Resimac
- Pepper Money (never named)
- TSB (never named)
- Co-operative (never named)
- Asteron (never named)
- Avanti Finance (never named)
- Basecorp Finance (never named)
- Bluestone
- Liberty Financial (never named)
Google AI Mode
2 of 8 answers
recommended at least one named lender
- BNZ (never named)
- Kiwibank (never named)
- Westpac (never named)
- ANZ (never named)
- ASB (never named)
- Resimac
- Pepper Money (never named)
- TSB
- Co-operative
- Asteron
- Avanti Finance (never named)
- Basecorp Finance (never named)
- Bluestone (never named)
- Liberty Financial (never named)
AI Overviews
4 of 7 answers
recommended at least one named lender
- BNZ
- Kiwibank
- Westpac
- ANZ
- ASB
- Resimac
- Pepper Money
- TSB
- Co-operative
- Asteron (never named)
- Avanti Finance
- Basecorp Finance
- Bluestone (never named)
- Liberty Financial

03 · Choosing a loan

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

Which lenders AI recommended for the loan.: for each borrower and lender, the share of answers recommended for the lender and how the claims about it split, across all four assistants.
Borrower	Kiwibank	Resimac	BNZ	Westpac	ANZ	ASB	Pepper Money	Asteron	Avanti Finance	Basecorp Finance	Bluestone	Liberty Financial
Income drop

04 · Support after purchase

Who AI recommended for ongoing support.

National support answers for this borrower, after the lending decision.

Showing all four assistants · 16 answers

Who AI recommended for ongoing support.: for each borrower and lender, the share of answers recommended for the lender and how the claims about it split, across all four assistants.
Borrower	BNZ	ANZ	Kiwibank	Westpac	ASB	TSB	Co-operative
Income drop

05 · What AI told this borrower

The reasoning behind the recommendations.

The strongest action recommendation is early contact with the existing lender. Every collected national choice answer puts that lender first among lender routes. This is a coherent result: the question describes preserving an existing mortgage before payments are missed.

Named alternative lenders appear in some answers, and the table preserves them as conditional suggestions. Kiwibank and Resimac are each included in only four of fifteen choice answers. Resimac's new-lending suggestion is outdated. Eight choice answers make no positive named comparison at all, so those narrow frequencies cannot replace the stronger incumbent-first message.

BNZ has the broadest support inclusion, with ANZ, Kiwibank and Westpac next. ChatGPT more often gives a named policy comparison; other services often provide current-lender steps and contact directories. A useful response can therefore have no named comparative winner. The relevant narrative is timely contact, a sustainable plan and appropriate help.