Facebook Pixel
Core Lending

Major & Registered Banks (Tier 1)

The cornerstone of New Zealand lending. Registered banks offer competitive carded interest rates, fixed-term structures, and cater to standard mortgage applications (PAYE income, 20%+ deposit, strong credit). However, their policies can be rigid, meaning if you fall outside their standard criteria, an approved non-bank partner may be recommended.

Our Partners

Finch's Major & Registered Banks (Tier 1)
Network.

A

ANZ

New Zealand's largest mortgage lender by book size. Highly competitive on 1-year and 2-year fixed rates with strong property investor packages.

B

BNZ

Excellent tailorable TotalMoney offset structures linking up to 50 accounts. Highly preferred for self-employed professionals, doctors, and property investors.

CC

China Construction Bank

Full registered bank in NZ backed by global institutional strength. Tailored residential mortgages, high-net-worth borrowing, and cross-border property finance.

H

Heartland Bank

NZ-operated registered bank. Market leader in home equity release and reverse mortgages, alongside competitive digital home loans.

S

SBS Bank

New Zealand customer-owned mutual bank known for market-leading first home buyer combo packages, competitive rates, and personal service.

C

The Co-operative Bank

Customer-owned registered bank sharing annual profits with borrowers as direct account rebates. Consistently tops trust and satisfaction surveys.

FAQs

Questions About
Major & Registered Banks (Tier 1)

Match with the perfect lender today.

Speak to an advisor. We'll assess your situation and recommend exactly which lenders will approve your loan at the best terms.

Get Pre-Approved → Contact Us