Major Banks
The cornerstone of NZ lending. ANZ, BNZ, and Kiwibank. Ideal for standard applications, 20% deposits, and first-home buyers.
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Non-Bank Lenders
Flexible, common-sense lending. Perfect for self-employed, complex income streams, older borrowers, or those who don't fit strict bank algorithms.
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Specialist Lenders
Fast, asset-backed finance. Essential for short-term bridging loans, property development, commercial overlaps, and urgent capital.
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Credit Unions
Member-owned financial cooperatives. Highly personalized, community-focused banking with highly competitive rates and localized service.
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