How each lender assesses you

Bank Policies

A behind-the-curtain look at how New Zealand banks assess income, expenses, credit history and property.

Latest guides

Articles in bank policies.

Bank Policies01

How each big-4 bank treats overtime, bonuses and commission

The differences that quietly decide which lender you should apply to.

6 min read
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Bank Policies02

Expense benchmarks: what banks assume you actually spend

Why your real spending isn't what the bank uses in servicing.

5 min read
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Bank Policies03

Credit score, credit file and credit history — the difference

What lenders actually see when they pull your report.

4 min read
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