The right adviser.
The right outcome.
Whether you're buying your first home, refinancing, or sorting your insurance — who you get advice from matters. We match you with the right independent adviser for your situation, free.
Mortgage and insurance — matched to your situation
Most people either go straight to their bank, pick the first name they find on Google, or ask for recommendations on Facebook. The problem with all three is they don't account for your specific situation. The adviser who's right for a first home buyer with a 10% deposit is different to the one who's right for a self-employed investor refinancing a portfolio. We match you with the right one.
Find the right mortgage adviser
Independent advisers who work across multiple lenders — not just one bank's products. Whether you're buying, refinancing, investing, or self-employed, the right adviser knows which lender suits your situation and why.
- First home buyers — KiwiSaver, Kainga Ora, low deposit lending
- Refinancing — rate comparison, cashback offers, loan restructure
- Investment property — portfolio lending, rental income assessment
- Self-employed — lenders who assess income your way
- Next home and commercial lending
Find the right insurance adviser
Independent advisers who compare across all major NZ insurers — not one provider's policies. The right cover at the right premium, structured properly for your life stage and situation.
- Life insurance — protecting your family's financial future
- Income protection — if you can't work, your income continues
- Mortgage protection — keep your home if things go wrong
- Trauma and critical illness cover
- Health insurance — faster access to private treatment
Three steps. The right adviser.
Tell us about your situation. We do the matching. Your adviser does the rest.
Who advises you has a real impact on your outcome
It's easy to assume all mortgage or insurance advice is roughly the same. It isn't. The lender your adviser recommends, how they structure your application, which policy they select and why — these decisions have consequences that play out over years. Getting matched with someone who has genuine experience in your situation is worth the two minutes it takes.
A first home buyer with a small deposit needs a different adviser to an investor refinancing a portfolio. We match based on what you actually need, not just who's next in line.
The advisers in our network are independent — not tied to any bank or insurer. That means they can look across the market to find what genuinely suits your situation, not what's convenient to sell.
Your adviser manages the comparisons, applications, and paperwork on your behalf. Whether it's a mortgage or insurance, you get expert guidance through the process — not just a referral and good luck.
Every adviser in our network is registered on the Financial Service Providers Register and operates under a licensed Financial Advice Provider — required by law to act in your best interest. You can verify their registration at any time.
Our matching service is free. Mortgage advisers are typically paid by lenders when your loan settles. Insurance advisers are typically paid by insurers when a policy is placed. In most cases, no direct cost to you.
Getting matched doesn't commit you to anything. You're under no obligation to proceed with any adviser you're connected with. No pressure, no hard sell — just the right person for a conversation.
Kiwis who got the right adviser
"First home buyer with a pretty average deposit and no idea where to start. The adviser sorted out our KiwiSaver situation, found a lender that worked for us, and got us pre-approved quickly. We wouldn't have known where to begin without this."
"Had been with the same bank for years without ever really questioning it. The adviser found us a better rate and a cashback offer we didn't know about. Switching was way simpler than we expected."
"We had life insurance through our bank but had no idea if it was actually right for us. The broker reviewed everything, found a better policy with broader cover, and we ended up paying less. Hadn't realised how much we were leaving on the table."
Find a mortgage adviser near you
Our network covers all major cities and regions across New Zealand. Select your location for local market insights and advisers who know your area.
Ready to find the right adviser?
Free, no obligation. Tell us your situation and we'll handle the matching.
Top Brokers Hub is a free adviser matching service connecting Kiwis with the right mortgage or insurance adviser for their situation. We've matched over 5,000 New Zealanders with independently registered advisers across our network since 2019. Every adviser is registered on the Financial Service Providers Register and required to act in your best interest.