When you’re buying a home and have a strong deposit behind you, it’s the perfect time to make the banks work for you—not the other way around.

We recently worked with a client who was looking to purchase in the Bay of Plenty. With a solid deposit and clear goals, it was all about finding the right bank with the best fit for their situation—not just the sharpest rate.

Here’s how we helped:

Step 1: Reviewing their position
Our client had a great deposit saved and a clear idea of where they wanted to buy. This meant we could open the door to multiple lending options and look beyond their current bank to make sure we were getting the best deal.

Step 2: Approaching multiple lenders
We approached ANZ (their existing bank), ASB and Westpac. All three offered strong servicing policies, competitive interest rates and good turnaround times—so we kept them all in the mix while the property search continued.

Step 3: Keeping offers updated
As the client looked at different homes, we updated and refreshed pre-approvals as needed—making sure everything stayed valid and ready to go as soon as the right place came along.

Step 4: Making the call
Once we had multiple offers and the property was confirmed, we reviewed all the finer details. While cashbacks and rates were similar across the board, ANZ stood out thanks to their existing relationship with the client and a flexible approach to increasing repayments during the fixed term—something that really mattered to them.

The result?
A great lending structure with a bank that supported their goals, and a smooth, confident purchase process.

Thinking of buying soon and want to know if your current bank is the best fit? Let’s explore the options together.