For broker use only. Results are indicative estimates based on published policy — always verify with current bank calculators. Rates and policies subject to change.
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Results from BNZ, Kiwibank, ASB, SBS, Bank of China NZ and ANZ will appear here side-by-side for easy comparison.
Servicing Results
Detailed Comparison
| Item | BNZ | Kiwibank | ASB | SBS | BOC | ANZ |
|---|
Income Used by Each Bank
Rate Assumptions Used
Bank-Specific Notes
BOC Bank of China NZ — LVR Policy Reference
Source: BOC NZ Broker Guideline v9.5 | Residential House (Excluding Leasehold & Māori Land)
| Property Type | Owner Occupied | Investment | Notes |
|---|---|---|---|
| Freehold Residential (Standard) | 80% | 70% | Standard policy |
| Freehold Terraced House / Townhouse | 80% | 70% | Standard policy |
| New Build (CCC issued within 6 months) | 80% | 80% | Same LVR for OO & investment |
| Freehold Apartment >50m² | 70% | 70% | RV required in all cases |
| Lifestyle Block <10ha (recognised Lifestyle Area) | 70% | 70% | RV required in all cases |
| Not Eligible: Leasehold titles, Māori Land, Apartments ≤50m², off-plan/turnkey (separate policy applies) | |||