First home buyers · New Zealand

Same deposit. Same income.
Six different answers.

Most first home buyers ask one bank, get one number, and treat it as the answer. It’s one lender’s policy on one day. Six questions and you’ll see what’s actually helping and hurting your case.

Step 1 of 6Free & no obligation

Where are you looking to buy?

Pick the closest answer

No credit check · No bank logins · No IRD number

Six questions, about a minute
We ask several banks, not just the one that knows you
Nothing here touches your credit file
The bank pays us, so you don’t

How it works →

Why one answer isn’t the answer

Banks don’t agree with each other. That gap is your money.

They read your pay differently: Overtime, commission, contract work, a side business. One bank counts all of it, another counts half, another ignores it entirely.
They test at different rates: Every bank stress-tests your loan well above the rate you’d actually pay — and they don’t use the same one.
Your bank sells one product: Its own. Nobody talks you out of their own home loan, and nobody mentions that the bank down the road would lend you more.
The rules keep moving: Low-deposit lending, LVR limits and each bank’s appetite shift through the year. A no in March isn’t a no in September.

One household, same numbersWould lend

Bank$0

$168,000 between the lowest and the highest.

Illustration only — [replace with a real anonymised case from your own files]. What any bank will lend depends on your income, debts, deposit and the property.

What actually happens

One conversation. Several banks. Then a number you can take to an open home.

01 — The call

Fifteen minutes, when it suits

What you earn, what you owe, what you’ve saved. No documents yet, and no credit check.

02 — The spread

What each bank would actually lend

We put your numbers to all banks and come back with the range — and which one suits how you’re paid.

03 — Pre-approval

We do the forms and the chasing

You go to open homes knowing your number instead of guessing at it.

Not an online calculator

Those don’t know how you’re paid or what you owe. They give you a guess and call it a number.

Not a credit check

Nothing here touches your file. That happens only when you tell us to apply.

Not one bank’s opinion

The bank that already knows you is not always the one that will lend you the most.