Us Kiwi's are pretty laid back and easygoing; this makes for a great community to live in but causes us to miss out financially. The 'She'll-be-right' attitude is sending hundreds of millions of NZ dollars across the ditch every year. This could also be why NZ-based banks made more profit last year than their Australian counterparts. So how can we ensure more Kiwis enjoy a fair and balanced journey to wealth? At Naked Finance they are on a mission to bring back the buyers bargaining power, and hold banks accountable for fair and favourable lending criteria. If they could offer you any advice; don't go to the lenders directly - they will only offer you generic options partial to their big bank bias.