General Finance Home Loan Review.

General Finance Limited (NZX: GFL) — NZ Mortgage Review (2026)

General Finance Limited (NZX: GFL) is an NZX-listed non-bank deposit taker licensed by the Reserve Bank of New Zealand (RBNZ). For New Zealand borrowers, the lender's specialties include residential first and second mortgages, business property loans, bridging loans, flexible terms. Finch is an independent NZ mortgage broker with a panel of 23 lenders: registered banks, specialist non-bank lenders and a credit union. We only recommend General Finance when its lending rules and pricing beat the alternatives for your situation. See all 23 lenders.

Who General Finance Suits Best

General Finance suits borrowers needing flexible residential or commercial property funding backed by a licensed, publicly listed institution. It works best when your income, deposit and property type fit General Finance's current lending rules. If they don't, another lender on our panel may be cheaper or faster, so we compare options before recommending one.

General Finance — Strengths

• Licensed Non-Bank Deposit Taker (NBDT) supervised by the Reserve Bank of NZ
• Publicly listed company on the NZX providing transparent governance
• Flexible lending policy accommodating self-employed borrowers and unique income
• Fast turnaround times on property loan evaluations

General Finance — Considerations

• Interest rates are risk-priced above prime main-bank specials
• Establishment and legal fees apply on all loan originations
• Conservative maximum loan sizes compared to major corporate banks

How General Finance Compares Across Our 23 Approved Lenders

No lender is best for everyone. Banks usually offer their lowest rates to borrowers with steady salary or wage income and a good deposit. Non-bank lenders such as Avanti Finance, Basecorp Finance and Pepper Money often help when your situation is less straightforward. Check current NZ mortgage rates, then book a free call and we'll compare your options across the whole panel.

The Rules NZ Lenders Work Within

In New Zealand, the Reserve Bank's loan-to-value (LVR) and debt-to-income (DTI) restrictions apply to registered banks. Non-bank lenders aren't bound by them, but every lender must follow the responsible lending rules in the Credit Contracts and Consumer Finance Act (CCCFA). Finch gives advice as an Authorised Body under the Financial Advice Provider licence held by Finsure New Zealand Limited (FSP1005389), and follows the Code of Professional Conduct for Financial Advice Services, overseen by the Financial Markets Authority. That means we only recommend General Finance when it suits your needs.

Documents General Finance Typically Requires

• 3 months payslips (PAYE) or latest financial statements / bank cashflows (self-employed)
• 3 months bank statements across active accounts and credit facilities
• KiwiSaver statement and confirmation of first-home eligibility (if applicable)
• NZ photo ID and proof of address for AML / CFT compliance
• Evidence of deposit funds, gifted equity, or existing property equity

Service Coverage Across New Zealand

Finch arranges General Finance lending for clients across New Zealand, including Auckland, Wellington, Christchurch, Hamilton, Tauranga, Dunedin, Palmerston North, Napier, Nelson and Queenstown. We handle the whole application, from first assessment to settlement.

Should You Go Direct, or Use an Independent Broker?

If you go to General Finance directly, you only see its own products and lending rules. Through Finch, you get a comparison across our panel of 23 lenders. For residential home loans our advice is free, because the lender pays us a commission when your loan settles. Read our NZ client case studies to see how we structure approvals.