Bank Rejection
Turned Approval in 72 Hours.

The problem.

James and Priya had been saving for three years — long enough to scrape together a 9% deposit on a $720,000 home in West Auckland. They had stable incomes: James as a teacher, Priya working part-time as a freelance graphic designer alongside two young children.

When they approached their main bank (ANZ), they were declined. The reason: a $4,200 credit card default from 2021 that had since been fully repaid. A second application to Westpac returned the same result.

With a pre-approved property they'd been holding at risk of falling through, and feeling shut out of the market entirely, they contacted Finch after seeing a social post from a friend who'd navigated a similar situation.

How we solved it.

The result.

Pre-approval was issued in 72 hours. Settlement completed 3 weeks later. James and Priya moved into their first home in Waitākere on repayments they could comfortably afford — without needing to wait another year to build their deposit to 10% or 20%.

The 2-year fixed rate of 6.29% gives them certainty through to 2027, by which point the plan is to refinance to a major bank — now with a clean credit record and a track record of mortgage repayments to strengthen the application.

"We'd been told no twice and were about to give up. Finch found a solution in three days. We didn't even know lenders like this existed — and now we have keys to our first home."

In a similar situation?

A bank rejection doesn't mean the end. Finch has access to 20+ lenders — including specialists who can help when major banks can't. Book a free, no-obligation consultation.