Explore Our Lender
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We partner with 23 approved lenders across Registered Banks, Non-Bank Lenders, Specialist Lenders, and Credit Unions to ensure you get the most competitive rates and terms, tailored to your exact situation.

Not every lender is the right fit for every borrower. Major banks tend to offer the most competitive rates but apply the strictest servicing criteria, while non-bank and specialist lenders often have more flexible policy for self-employed applicants, credit blemishes, or non-standard income — usually at a higher cost. Credit unions sit somewhere in between, offering a more personal, member-focused approach to lending. See our live NZ mortgage rates page for how the major banks currently compare on price.

Rather than applying to one bank and hoping for the best, Finch assesses your situation against all four categories and recommends the lenders whose policy genuinely matches your circumstances, so you are not wasting time on an application that was unlikely to be approved. Not sure what you could borrow first? Try our free borrowing power calculator before comparing lenders.

If you've already been declined by a major bank, or know you're self-employed, credit-impaired, or an investor at your lending cap, see our full non-bank lender comparison for a category-by-category breakdown of NZ's tier 2 lenders.