Borrower P12 · one of twelve borrower profiles
Owners financing a $60,000 renovation
“Owner-occupiers with a mortgage planning about $60,000 of renovations; no equity amount is specified.”
- questions
- 16
- 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-Q085
Borrower journey
We own our home and want to do about $60,000 of renovations. Is adding it to the mortgage something we should consider, and what would we need to work out first?
HL-Q086
Choosing a loan
We have a mortgage and want to borrow about $60,000 for renovations. Which lenders would you suggest we compare with our current bank?
HL-Q087
Borrower journey
We're borrowing about $60,000 to renovate our home. If we add it to the mortgage, how can we compare paying it off quickly with spreading it over the remaining loan term?
HL-Q088
Borrower journey
We've got renovation quotes of about $60,000 for our home. What should we have ready when we ask a lender about increasing the mortgage?
HL-Q089
Borrower journey
The bank says we may be able to borrow more for renovations on our home. The builder wants a deposit. What needs to be confirmed before we pay it?
HL-Q091
Borrower journey
Our home renovation is finished and the extra borrowing is now part of the mortgage. How can we pay that part off sooner without making our regular budget too tight?
HL-Q204
Choosing a loan
We have a mortgage on our home and want to borrow about $60,000 for renovations. Which lenders would you recommend for the extra borrowing, and why?
HL-Q205
Choosing a loan
What's the best bank for a mortgage top-up to pay for renovations?
HL-Q206
Choosing a loan
best bank mortgage top up renovation
HL-Q207
Borrower priorities
We have a mortgage on our home and want to borrow about $60,000 for renovations. What matters most to us is keeping the total cost as low as possible. Which lenders would you recommend for the extra borrowing, and why?
HL-Q208
Borrower priorities
We have a mortgage on our home and want to borrow about $60,000 for renovations. 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 the extra borrowing, and why?
HL-Q209
Borrower priorities
We have a mortgage on our home and want to borrow about $60,000 for renovations. What matters most to us is getting good help and advice when we need it. Which lenders would you recommend for the extra borrowing, and why?
HL-Q210
Support after purchase
We recently added about $60,000 to our mortgage to pay for renovations on our home. Which lenders are best at looking after mortgage customers in our situation, and why?
HL-Q211
Support after purchase
We added about $60,000 to our mortgage for renovations and want to pay that part off faster. Our bank hasn't been much help working out how. Are there banks that are better at helping you pay down extra borrowing?
HL-Q212
Support after purchase
Which bank is best for paying off a mortgage top-up early?
HL-Q213
Support after purchase
best bank pay off mortgage top up early
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 27
BNZ24 of 27 answers
ANZ22 of 27 answers
Westpac22 of 27 answers
ASB19 of 27 answers
Kiwibank19 of 27 answersTSB8 of 27 answers
Co-operative3 of 27 answers- Pepper Money2 of 27 answers
- Resimac2 of 27 answers
SBS2 of 27 answers
Unity2 of 27 answers- Avanti Finance1 of 27 answers
- First Credit Union1 of 27 answers
- Liberty Financial1 of 27 answers
ChatGPT
8 of 8 answers
recommended at least one named lender
- BNZ
- ANZ
- Westpac
- ASB
- Kiwibank
- Co-operative
- Pepper Money (never named)
- Resimac (never named)
- SBS (never named)
- Unity (never named)
- Avanti Finance (never named)
- First Credit Union (never named)
- Liberty Financial (never named)
Gemini
8 of 8 answers
recommended at least one named lender
- BNZ
- ANZ
- Westpac
- ASB
- Kiwibank
- Co-operative
- Pepper Money (never named)
- Resimac (never named)
- SBS
- Unity
- Avanti Finance (never named)
- First Credit Union
- Liberty Financial (never named)
Google AI Mode
3 of 3 answers
recommended at least one named lender
- BNZ
- ANZ
- Westpac
- ASB
- Kiwibank
- Co-operative
- Pepper Money (never named)
- Resimac (never named)
- SBS (never named)
- Unity (never named)
- Avanti Finance (never named)
- First Credit Union (never named)
- Liberty Financial (never named)
AI Overviews
8 of 8 answers
recommended at least one named lender
- BNZ
- ANZ
- Westpac
- ASB
- Kiwibank
- Co-operative (never named)
- Pepper Money
- Resimac
- SBS
- Unity (never named)
- Avanti Finance
- First Credit Union (never named)
- Liberty Financial
Which lenders AI recommended for the loan.
National choice answers for this borrower. Open a lender to read the evidence.
Showing all four assistants · 13 answers
| Borrower | ANZ | ASB | BNZ | Westpac | Kiwibank | Pepper Money | Resimac | Unity | Avanti Finance | First Credit Union | Liberty Financial | SBS | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $60,000 renovation |
Who AI recommended for ongoing support.
National support answers for this borrower, after the lending decision.
Showing all four assistants · 14 answers
| Borrower | BNZ | Kiwibank | ANZ | Westpac | ASB | Co-operative | SBS | |
|---|---|---|---|---|---|---|---|---|
| $60,000 renovation |
The reasoning behind the recommendations.
AI first asks whether additional secured borrowing fits the existing mortgage and project. ANZ, ASB, BNZ and Westpac jointly lead national choice inclusion. The reasoning compares a top-up with changing lenders, general renovation lending with narrowly eligible upgrade products, and the proposed amount with product conditions.
Expressly unsecured personal-loan alternatives are preserved separately. They are not counted as recommendations of a home-lending provider in the mortgage leaderboard. The same applies to a broker who helps arrange the funding rather than supplying it.
After renovation, BNZ leads support inclusion and Kiwibank is close behind. The management narrative concerns keeping renovation debt visible, handling cash waiting for tradespeople and paying the added borrowing down deliberately. The Christchurch city case includes Kiwibank on all four platforms for renovation, contrasting with its one-of-four construction result there. Loan purpose changes the observed recommendation within the same city.
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
74%lender websites
Had sources21of 24
Showed you a link24of 24
- 1bnz.co.nz, lender websites,cited in 17 answers17
- 2asb.co.nz, lender websites,cited in 13 answers13
- 3anz.co.nz, lender websites,cited in 12 answers12
- 4kiwibank.co.nz, lender websites,cited in 12 answers12
- 5westpac.co.nz, lender websites,cited in 8 answers8
- 6
eeca.govt.nz, other,cited in 7 answers7 - 7
canstar.co.nz, comparison & tools,cited in 4 answers4 - 8
consumer.org.nz, consumer groups,cited in 2 answers2 - 9
moneyhub.co.nz, comparison & tools,cited in 2 answers2 - 10
sorted.org.nz, government,cited in 2 answers2
Gemini
51%lender websites
Had sources23of 24
Showed you a link0of 24
- 1anz.co.nz, lender websites,cited in 10 answers10
- 2addvaluerenovations.co.nz, other,cited in 7 answers7
- 3
simpler.co.nz, businesses,cited in 7 answers7 - 4kiwibank.co.nz, lender websites,cited in 6 answers6
- 5
- 6bnz.co.nz, lender websites,cited in 5 answers5
- 7asb.co.nz, lender websites,cited in 4 answers4
- 8co-operativebank.co.nz, lender websites,cited in 4 answers4
- 9moneyhub.co.nz, comparison & tools,cited in 4 answers4
- 10canstar.co.nz, comparison & tools,cited in 2 answers2
Google AI Mode
25%comparison & tools
Had sources18of 18
Showed you a link5of 18
- 1moneyhub.co.nz, comparison & tools,cited in 6 answers6
- 2bnz.co.nz, lender websites,cited in 5 answers5
- 3canstar.co.nz, comparison & tools,cited in 5 answers5
- 4westpac.co.nz, lender websites,cited in 5 answers5
- 5simpler.co.nz, businesses,cited in 4 answers4
- 6
amlhomeloans.co.nz, other,cited in 2 answers2 - 7asb.co.nz, lender websites,cited in 2 answers2
- 8consumer.org.nz, consumer groups,cited in 2 answers2
- 9
mpamag.com, news,cited in 2 answers2 - 10sorted.org.nz, government,cited in 2 answers2
AI Overviews
32%other
Had sources20of 24
Showed you a link9of 24
- 1bnz.co.nz, lender websites,cited in 12 answers12
- 2moneyhub.co.nz, comparison & tools,cited in 12 answers12
- 3canstar.co.nz, comparison & tools,cited in 9 answers9
- 4asb.co.nz, lender websites,cited in 8 answers8
- 5simpler.co.nz, businesses,cited in 8 answers8
- 6westpac.co.nz, lender websites,cited in 8 answers8
- 7
- 8waynehenry.co.nz, other,cited in 7 answers7
- 9co-operativebank.co.nz, lender websites,cited in 6 answers6
- 10amlhomeloans.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. 82 of 90 answers have recorded sources.