Selecting the right bank is a critical decision. That’s why our first step when working with you is to discuss your financial goals and objectives. Once we have a clear picture of your objectives, we consider a range of factors to recommend the most suitable bank. These are factors we take into consideration when recommending a bank:

  • Goals and objectives: When it comes to finances, it’s important to think long term. In our initial meeting we will ask multiple questions to get an understanding of not only what’s important now but also what’s important in the future. This will give us insights into what’s important to you and what bank has the best products to achieve this.
  • Banking fit: This is about how you bank and how you intend to use your bank. For example, do you need multiple accounts and therefore need a more hightech bank or do you just need one account? Do you need an offset account or a revolving credit? We will also look at banking lending policies as banks often change their policies based on where they want to focus their lending. We understand who lends in the spot you’re in. For example, one bank might be lending for apartments and others might not, hence why we would recommend one bank over another if you’re buying an apartment.
  • Pricing: This basically comes down to which bank has the best deal at the time you need a loan. As of 2 May 2023 many banks are giving 1 % cashback, but it’s a fluid space and it changes all the time. It’s our job to know what’s happening in the market and match up the best deal for you in accordance with the two points above.


Everything shared in this blog post is general financial advice. For financial advice tailored to you, please book a kōrero with us.