Mortgage advisers can face conflicts of interest, from commission differences to referral relationships and clawbacks. This guide explains the most common conflicts, how they can influence recommendations, and the exact green flags and questions that help you spot an adviser who’s genuinely managing them in a client-first way.
A practical NZ guide to when going direct to the bank makes sense, and where even DIY borrowers and bank staff can still benefit from full market coverage and structure strategy.
Not sure why you would use a mortgage adviser? This guide shows how advisers give real advice across several lenders, provide market insight, support you for the life of the loan, and are usually paid by the bank rather than charging you a fee.
What is the difference between a mortgage adviser and a broker? This article explains how 2021 law changes shifted the job from simply finding you a loan to giving proper advice, and what that means for your protection, options and long term strategy.
