Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Residential home loans typically need at least 20% equity · Residential investing lending typically needs at least 30% equity · First Home Loans can be available with at least 5% equity
Credit assessment based on income and overall financial situation
NZ resident · Aged 18+ · Regular income
NZ citizen or permanent resident · Age 18+ · Regular income
NZ citizen or permanent resident · Regular income · Minimum age 18
NZ citizen or permanent resident · Age 18+ · Regular income
At least 18 years old · Regular income · Enough money left after expenses for repayments
NZ resident · Aged 18+ · Regular income
NZ or Australian citizen · No defaults on credit file · Full-time or permanent part-time employment
NZ resident · Aged 18+ · ASB account holder
At least 18 years old · NZ citizen, permanent resident, or Australian citizen · No defaults on credit file
NZ resident · Aged 18+ · Westpac account
