Leigh Hodgetts, country manager of FAMNZ, said the results showed how advisers continued to prove their value in a shifting market.
“Far too many Kiwis still don’t understand what mortgage advisers do or the value we offer,” Hodgetts said. “This challenge can only be overcome if the industry works together, and each adviser can help build financial literacy by not only providing great service but also providing clients with a deeper understanding of their journey and the advantages to consumers of using their services.”
Key patterns in the data
The results point to a healthy and expanding mortgage market, especially at lower price points:
Rapid growth – Both the total value and number of loans written by top advisers rose sharply in 2025, outpacing 2023–24 trends.
Smaller average loan sizes – Growth was driven more by volume than by larger loans, with the median loan size at $1.64 million.
Client demand rising – Activity was particularly strong among first-home buyers and those seeking smaller loans.
Trusted advice driving demand
According to FAMNZ’s Consumer Access to Mortgages 2024 report, nearly half of new mortgages in the 12 months to July 2024 were arranged through a mortgage adviser, up from 35% historically. Trust, satisfaction, and financial literacy were key reasons consumers gave for choosing the adviser channel.
Shanks said the top performers stood out for: