# Christchurch

Home lending · Christchurch

The lender recommendations in matched home-lending questions asked from this city.

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

| Measure | Value |
| --- | --- |
| matched loan-choice answers | 43 |
| matched support answers | 42 |
| AI platforms | 4 |
| collected | 11 October 2026 |

## Read the questions asked from Christchurch.

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q100.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q106.md)

### HL-Q110: Choosing a loan

I'm a contractor with variable income buying my first home on my own, with three years of earnings records and about a 20% deposit. Which lenders would you recommend for my home loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q110.md)

### HL-Q116: Support after purchase

I'm a contractor with variable income who recently bought my first home on my own with about a 20% deposit. Which lenders are best at looking after mortgage customers in my situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q116.md)

### HL-Q120: Choosing a loan

My fixed-rate home loan ends in two months and I'm deciding whether to stay with my bank or move. Which lenders would you recommend for my home loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q120.md)

### HL-Q126: Support after purchase

I own my home and my fixed-rate home loan ends in two months. Which lenders are best at looking after mortgage customers in my situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q126.md)

### HL-Q130: Choosing a loan

I have a home loan and another lender has offered me a lower rate and a cash contribution to switch. Which lenders would you recommend for my home loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q130.md)

### HL-Q136: Support after purchase

I recently moved my home loan to a new lender for a lower rate and a cash contribution. Which lenders are best at looking after mortgage customers in my situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q136.md)

### HL-Q140: Choosing a loan

We're a family moving to a bigger home and may need to buy before our current home sells. Which lenders would you recommend for our home loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q140.md)

### HL-Q146: Support after purchase

We're a family who recently moved to a bigger home and sold our old one, so we now have a larger mortgage. Which lenders are best at looking after mortgage customers in our situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q146.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q150.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q156.md)

### HL-Q160: Choosing a loan

We own our home and are buying our first rental property. Which lenders would you recommend for the rental property loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q160.md)

### HL-Q166: Support after purchase

We own our home and recently bought our first rental property, so we now have two property loans. Which lenders are best at looking after mortgage customers in our situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q166.md)

### HL-Q170: Choosing a loan

We own land and have chosen a builder to build our home in stages. Which lenders would you recommend for the construction loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q170.md)

### HL-Q176: Support after purchase

We recently finished building our home on our own land and now have a standard mortgage. Which lenders are best at looking after mortgage customers in our situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q176.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q180.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q183.md)

### HL-Q187: Choosing a loan

I'm separating from my partner, we have a joint mortgage and I want to keep the home by taking on the loan myself. Which lenders would you recommend for the mortgage in my name, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q187.md)

### HL-Q190: Support after purchase

After separating, I kept our home and the mortgage is now in my name alone, on one income. Which lenders are best at looking after mortgage customers in my situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q190.md)

### HL-Q194: Choosing a loan

We're a salaried couple buying our first home with about a 25% deposit and little experience with mortgages. Which lenders would you recommend for our home loan, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q194.md)

### HL-Q200: Support after purchase

We're a salaried couple who recently bought our first home with about a 25% deposit, and we're still learning how our mortgage works. Which lenders are best at looking after mortgage customers in our situation, and why?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q200.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q204.md)

### 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?

[Read the captured answers](https://nzbrands.ai/research/banking/home-lending/editions/1/questions/HL-Q210.md)

## Which lenders AI put in front of borrowers in Christchurch

Loan-choice and support recommendations in the matched city answers.

| Lender or party | Answers | Total |
| --- | --- | --- |
| BNZ | 66 | 85 |
| Kiwibank | 65 | 85 |
| ASB | 63 | 85 |
| ANZ | 59 | 85 |
| Westpac | 59 | 85 |
| Co-operative | 41 | 85 |
| SBS | 30 | 85 |
| TSB | 22 | 85 |
| Resimac | 8 | 85 |
| Pepper Money | 7 | 85 |
| Liberty Financial | 6 | 85 |
| Avanti Finance | 5 | 85 |
| Bluestone | 4 | 85 |
| Heartland Bank | 2 | 85 |
| Asteron | 1 | 85 |
| Basecorp Finance | 1 | 85 |
| First Mortgage Trust | 1 | 85 |
| NBS | 1 | 85 |

## Loan-choice recommendations

43 matched answers asked from Christchurch.

| Topic | Lender or party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Christchurch | ANZ | 35 | 43 | 78 | 50 | 11 | 5 |
| Christchurch | ASB | 32 | 43 | 83 | 45 | 10 | 2 |
| Christchurch | Asteron | 1 | 43 | 1 | 0 | 1 | 0 |
| Christchurch | Avanti Finance | 5 | 43 | 3 | 3 | 0 | 2 |
| Christchurch | BNZ | 33 | 43 | 84 | 41 | 12 | 3 |
| Christchurch | Basecorp Finance | 1 | 43 | 2 | 1 | 0 | 0 |
| Christchurch | Bluestone | 4 | 43 | 5 | 3 | 0 | 2 |
| Christchurch | First Mortgage Trust | 1 | 43 | 1 | 1 | 0 | 0 |
| Christchurch | Heartland Bank | 1 | 43 | 3 | 0 | 0 | 0 |
| Christchurch | Kiwibank | 29 | 43 | 63 | 36 | 7 | 3 |
| Christchurch | Liberty Financial | 6 | 43 | 4 | 2 | 0 | 4 |
| Christchurch | Pepper Money | 7 | 43 | 8 | 2 | 0 | 5 |
| Christchurch | Resimac | 7 | 43 | 6 | 3 | 1 | 4 |
| Christchurch | SBS | 16 | 43 | 30 | 11 | 2 | 3 |
| Christchurch | TSB | 9 | 43 | 11 | 7 | 2 | 2 |
| Christchurch | Co-operative | 19 | 43 | 31 | 8 | 2 | 4 |
| Christchurch | Westpac | 34 | 43 | 78 | 46 | 10 | 2 |

## Ongoing-support recommendations

42 matched answers asked from Christchurch.

| Topic | Lender or party | Recommended or named answers | Collected answers | Positive claims | Neutral claims | Negative claims | Mixed claims |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Christchurch | ANZ | 24 | 42 | 59 | 16 | 10 | 8 |
| Christchurch | ASB | 31 | 42 | 79 | 23 | 11 | 6 |
| Christchurch | BNZ | 33 | 42 | 105 | 26 | 11 | 7 |
| Christchurch | Heartland Bank | 1 | 42 | 0 | 0 | 0 | 0 |
| Christchurch | Kiwibank | 36 | 42 | 98 | 21 | 6 | 6 |
| Christchurch | NBS | 1 | 42 | 0 | 1 | 0 | 0 |
| Christchurch | Resimac | 1 | 42 | 6 | 2 | 0 | 1 |
| Christchurch | SBS | 14 | 42 | 34 | 7 | 0 | 1 |
| Christchurch | TSB | 13 | 42 | 28 | 8 | 1 | 1 |
| Christchurch | Co-operative | 22 | 42 | 77 | 15 | 3 | 3 |
| Christchurch | Westpac | 25 | 42 | 40 | 15 | 8 | 7 |

## Where the answers from Christchurch came from

The websites each assistant drew on, and what kind of publisher they are. Pick a question group to compare the websites.

### ChatGPT

| Website | Answers with this website recorded |
| --- | --- |
| canstar.co.nz | 14 |
| kiwibank.co.nz | 13 |
| asb.co.nz | 12 |
| bnz.co.nz | 12 |
| westpac.co.nz | 8 |
| anz.co.nz | 7 |
| consumer.org.nz | 6 |
| bankomb.org.nz | 5 |
| fma.govt.nz | 5 |
| rbnz.govt.nz | 5 |

### Gemini

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 10 |
| canstar.co.nz | 7 |
| opespartners.co.nz | 5 |
| simpler.co.nz | 4 |
| anz.co.nz | 3 |
| genesismortgages.co.nz | 3 |
| bnz.co.nz | 2 |
| capitalfinance.nz | 2 |
| finchmortgages.co.nz | 2 |
| kiwibank.co.nz | 2 |

### Google AI Mode

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 12 |
| canstar.co.nz | 8 |
| adviser.loanmarket.co.nz | 4 |
| westpac.co.nz | 3 |
| bankomb.org.nz | 2 |
| bnz.co.nz | 2 |
| homeloanfactory.co.nz | 2 |
| moneybalance.co.nz | 2 |
| mpamag.com | 2 |
| squirrel.co.nz | 2 |

### AI Overviews

| Website | Answers with this website recorded |
| --- | --- |
| moneyhub.co.nz | 11 |
| canstar.co.nz | 9 |
| facebook.com | 8 |
| simpler.co.nz | 6 |
| squirrel.co.nz | 6 |
| finchmortgages.co.nz | 5 |
| reddit.com | 5 |
| adviser.loanmarket.co.nz | 4 |
| co-operativebank.co.nz | 4 |
| instagram.com | 4 |

A website counts once per answer, however many claims cite it. 90 of 93 answers have recorded sources.

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