{"id":229433,"date":"2025-07-01T13:46:25","date_gmt":"2025-07-01T13:46:25","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/229433\/"},"modified":"2025-07-01T13:46:25","modified_gmt":"2025-07-01T13:46:25","slug":"the-best-25-mortgage-advisers-in-new-zealand","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/229433\/","title":{"rendered":"The Best 25 Mortgage Advisers in New Zealand"},"content":{"rendered":"

Jump to winners<\/a><\/strong> |\u00a0Jump to methodology<\/a><\/strong><\/p>\n

The adviser edge<\/p>\n

In a market flooded with tools and information, more borrowers still choose mortgage advisers and stay loyal. It\u2019s not about convenience; it\u2019s about service. NZ Adviser\u2019s Top 25 Brokers 2025 have found the balance clients want, combining expertise and a client-first approach to match needs with the right loan.<\/p>\n

The renewed borrower focus shows in the numbers. According to the Reserve Bank of New Zealand, total new mortgage commitments hit $7.6 billion in April 2025, up 28% year over year. Despite a modest dip from March, the longer-term recovery points to a rebound, with more buyers turning to expert advice.<\/p>\n

That advice carries weight, particularly in a lending environment where even minor oversights, whether in structure, timing or lender policy, can lead to delays, added costs or long-term financial strain.<\/p>\n

And the stakes are rising. The average loan size climbed to nearly $393,000 in April 2025, up 4.3% from a year earlier. That kind of commitment leaves little margin for error for buyers working to meet deposit thresholds or manage repayments.<\/p>\n

Unsurprisingly, first home buyers, who are facing the most complexity with the least experience, are increasingly turning to expert help. FAMNZ\u2019s 2024 Consumer Access to Mortgages report found that nearly 60% of first home buyers went through a mortgage adviser in the 12 months to July 2024, up from 42% across all first home buyers. This shift signals a growing preference for hands-on advice over self-directed banking, particularly among younger borrowers entering the market for the first time.<\/p>\n

Reserve Bank data backs this trend, showing the total value of lending to first home buyers rose by 22.4% in April 2025 compared to the year prior, pointing to a clear rebound in buyer activity despite tighter market conditions.<\/p>\n

FAMNZ also found that among borrowers who took out a mortgage in the 12 months to July 2024, 46% went through an adviser, up from 35% across all borrower groups, including those with earlier loans.<\/p>\n

And that growth is expected to continue. Nearly 1 in 2 future first-time buyers (49%) say they plan to use a mortgage adviser for their next loan, well ahead of those opting for direct lender channels. Women, in particular, show even stronger preference, with 56% favouring the adviser route.<\/p>\n

NZA\u2019s two-year data confirms that the trend lines point to growing market share and that borrowers are no longer focused solely on rates or speed.<\/p>\n

When asked to rate what matters most in their adviser relationship, respondents ranked understanding their loan needs far above all other criteria. They also gave high marks to communication, service and tailored guidance, which speaks to trust.<\/p>\n

According to FAMNZ, 86% of adviser clients trust their adviser, including 41% who said they \u201ccompletely trust\u201d them. That\u2019s a stronger result than lender reps received and reflects the importance clients place on being heard.<\/p>\n

\"\"<\/p>\n

It follows that more borrowers are turning to advisers. Clients want someone who understands their goals and can turn financial decisions into meaningful outcomes.<\/p>\n

Link Financial Group\u2019s national growth manager, Luke Roberts<\/a>, puts it plainly, \u201cLeading advisers are distinguishing themselves through consistency, proactive client engagement and a commitment to delivering holistic financial advice. Rather than focusing solely on mortgages, they\u2019re positioning themselves as full-service financial advisers, building strong referral networks and trusted, scalable brands.\u201d<\/p>\n

This year\u2019s best mortgage advisers are thriving in a market where clients expect:<\/p>\n