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Kernel goal: Wealth OS for all

Kernal Wealth opened its funky new Auckland HQ last week with bold plans for the future.

Wednesday, July 29th 2026, 7:47PM

Like many managers getting to the $1 billion in funds under management takes them, then growth becomes exponential.

Kernel cracked the $1 billion in June 2024 when it was five. Now, at seven years old it has $4.8 billion in funds under management, and around 60,000 investors.

Founder and chief executive Dean Anderson says “quarter on quarter, our sign ups grew, 76%.”

The firm has big plans with the ultimate goal of making Kernel “ the wealth operating system for everybody.”

He pitches the company as a digital platform that integrates “humanity into the technology.

Speaking at the open on its new offices, Anderson said, “we are building scale. 
We're not staying small. Kernel's goal is to become the wealth operating system for everybody.”

Anderson alluded to offshore expansion and said “there's a lot of secrets in the works.”

« FANZ inks deal with Southern African financial planners

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Lender Flt 1yr 2yr 3yr
AIA - Back My Build 3.34 - - -
AIA - Go Home Loans 6.14 ▲4.75 5.25 5.29
ANZ 6.04 ▲5.39 5.89 6.09
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - ▲4.79 5.29 5.49
ASB Bank 6.04 ▲4.75 5.25 5.29
ASB Better Homes Top Up - - - 1.00
Avanti Finance - Near Prime 6.60 - - -
Avanti Finance - Specialised 7.75 - - -
Basecorp Finance 6.35 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 6.19 - - -
BNZ - Rapid Repay 6.19 - - -
BNZ - Std 6.09 4.79 5.29 5.29
BNZ - TotalMoney 6.19 - - -
CFML 321 Loans 4.20 - - -
CFML Home Loans 6.30 - - -
CFML Prime Loans 6.45 - - -
CFML Standard Loans 7.20 - - -
China Construction Bank 6.44 4.85 4.95 4.95
China Construction Bank Special 6.44 5.85 5.95 5.95
Co-operative Bank - First Home Special - 4.69 5.19 5.39
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 5.34 4.79 5.29 5.49
Co-operative Bank - Standard 5.34 5.29 5.79 5.99
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.09 5.49 -
First Credit Union Standard 6.49 5.69 6.09 -
Heartland Bank - Online 5.80 5.89 - -
Heartland Bank - Reverse Mortgage 7.99 - - -
Heretaunga Building Society 6.50 5.50 5.65 -
ICBC 5.39 4.49 4.99 5.25
Kainga Ora 5.79 4.59 4.95 5.19
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 6.00 5.65 6.09 6.19
Kiwibank - Offset 6.00 - - -
Kiwibank Special 5.75 4.75 5.19 5.39
Liberty 6.65 6.55 6.22 6.20
Nelson Building Society 6.49 4.69 5.09 -
Pepper Money Near Prime 6.55 - - -
Pepper Money Prime 5.99 - - -
Pepper Money Specialist 8.00 - - -
SBS Bank 5.84 5.29 5.89 5.89
SBS Bank Special - 4.69 5.29 5.29
SBS Construction lending for FHB 3.74 - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 3.29 4.19 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 7.99 - - -
TSB Bank 6.59 5.49 6.05 6.29
TSB Special 5.79 4.69 5.25 5.49
Unity First Home Buyer special - 4.15 - -
Unity Special 5.79 4.80 5.29 -
Unity Standard 5.79 5.60 6.29 -
Wairarapa Building Society 6.15 4.95 5.45 -
Westpac 6.14 ▲5.59 ▲6.05 ▲5.95
Westpac Choices Everyday 6.24 - - -
Lender Flt 1yr 2yr 3yr
Westpac Offset 6.14 - - -
Westpac Special - ▲4.99 ▲5.45 ▲5.35
Median 6.15 4.85 5.37 5.39

Last updated: 27 July 2026 3:02pm

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