Plans by the Labour-led coalition government in New Zealand to help first-home buyers into affordable homes under its flagship "KiwiBuild" programme may be hampered by the requirements of the Big Four banks for higher deposits from buyers of smaller dwellings, claims the opposition National Party. The government plans to launch the programme with a build of thousands of homes on the UniTec site in Auckland, but National says the higher deposits required by BNZ, ANZ, Westpac and ASB for small dwellings will put the homes out of reach of first home-buyers. But Housing Minister Phil Twyford says the dwellings will not be as small as National is claiming, and that, in any case, he is in "ongoing discussions with the banks" about how to make it easier for banks to support prefabricated constructions and apartments, reports interest.co.nz. New Zealand local banks have left their Aussie-owned competitors dead in the water in the latest Consumer NZ customer satisfaction survey, released this morning. Locally-owned TSB topped the ratings with 87 per cent of its customers saying they were "very satisfied". The Co-operative Bank followed with 82 per cent, then Kiwibank with 71 per cent. Australian-owned ANZ and ASB were neck and neck in last place, with just 52 per cent of their kiwi customers "very satisfied". ANZ and ASB also received a slap for their upselling practices, with Consumer NZ saying their customers complained of unsolicited offers of insurance products and top ups of mortgage and credit card limits. "Our survey found that less than half the customers who got these offers thought the product was a good option," Consumer NZ said.