Best Financial Advisors in New Zealand
We assessed 119 financial advisors in New Zealand and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 10 listed below hold 5,093 Google reviews between them. No business can pay for a place in these rankings. Last updated 15 August 2026. How we rank →
Before you hire
Financial advisers in NZ must be licensed under the Financial Markets Conduct Act. Check their licence on the Financial Service Providers Register, ask how they are paid (fee-for-service or commission), and confirm they are required to act in your best interest, not just recommend suitable products.
Top 5 Financial Advisors in New Zealand
The top 5 financial advisors in New Zealand are Haven Financial Advisers, MortgageMe, Rayen & Wood, NZ Funds, and Swift Mortgages, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Haven Financial Advisers
★ 4.9 857 reviews Top5 Score 2005★ 816 4★ 31 3★ 1 2★ 1 1★ 8Haven Financial Advisers covers health insurance comparisons, life cover, and KiwiSaver reviews, with named advisers like Esben, Stuart, and Jason each taking full ownership of a client's situation from first contact through to policy setup. Stuart switched one family to a new health insurer within ten days at a saving of over $450 a month, while Jason has managed ongoing insurance reviews for the same family across three years.
Reviews most often describe: Families reviewing insurance, KiwiSaver, and health cover together
- ✓ Advisers compare existing policies against alternatives at the same premium
- ✓ KiwiSaver advice provided alongside insurance setup in the same appointment
- ✓ Clients given direct adviser contact for questions and claims support after signup
location_on 22 Dundonald Street, Eden Terrace, Auckland
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2
MortgageMe
★ 5.0 785 reviews Top5 Score 1985★ 769 4★ 13 3★ 1 1★ 2MortgageMe gets first-home buyers through to settlement on mortgages, and also reviews and switches KiwiSaver funds, with named advisers including Hayden, Marie, Daryl, Becky, and Blake each taking a client from first conversation through to a confirmed result. Advisers walk clients through loan structures, fund options, and deposit breakdowns in plain terms until the path forward is clear.
Reviews most often describe: First-home buyers wanting named advisers and clear explanations
- ✓ Named advisers explain loan structures and deposit breakdowns step by step
- ✓ KiwiSaver fund reviews result in a switched provider and explained rationale
- ✓ Multiple advisers available so clients return to the same team on later transactions
location_on 155 Princes Street, Central Dunedin, Dunedin
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3
Rayen & Wood Financial Services
★ 5.0 525 reviews Top5 Score 1945★ 519 4★ 4 1★ 2Rayen & Wood arranges first-home mortgages with low deposits, vehicle and work van finance, and loan consolidation, with advisers including Abby, Jimi, and Elina each working cases through to a confirmed result. Elina secured pre-approval for one buyer at a 5% deposit after other advisers had passed, and Abby consolidated a loan within hours of first contact.
Reviews most often describe: Buyers and borrowers needing fast turnarounds on tricky cases
- ✓ Loan settled within hours of first making contact with adviser
- ✓ Pre-approval secured for buyers with only a 5% deposit
- ✓ Fast email and call responses kept clients informed throughout process
location_on 189 Montreal Street, Christchurch Central City, Christchurch
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4
NZ Funds
★ 4.9 586 reviews Top5 Score 1935★ 559 4★ 11 2★ 1 1★ 15NZ Funds works with clients across KiwiSaver planning, retirement investing, and broader portfolio diversification, with named specialists like Aryan, William, Reid, and Joseph running structured review calls that translate complex investment decisions into plain terms. For clients navigating trickier situations, such as international pension transfers, advisers stay involved through the full process rather than handing off once the paperwork starts.
Reviews most often describe: Long-term investors wanting ongoing KiwiSaver and portfolio reviews
- ✓ Advisers run structured review calls covering goals and future projections
- ✓ KiwiSaver advice tailored to personal goals and retirement timelines
- ✓ Long-term clients receive ongoing support as circumstances change
location_on Level 16/21 Queen Street, Auckland CBD, Auckland
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5
Swift Mortgages Ltd - Auckland
★ 5.0 465 reviews Top5 Score 1875★ 461 4★ 2 1★ 2Swift Mortgages takes on home loans, refinancing, and broader financial advice including KiwiSaver fund switching and life insurance setup, with adviser Ranjana known for staying contactable outside business hours and across extended timelines when purchases take months to resolve. Clients who had struggled with other brokers found Swift willing to keep working through obstacles until settlement was reached.
Reviews most often describe: First-home buyers and refinancers needing persistent, hands-on guidance
- ✓ Adviser stays reachable outside business hours for urgent questions
- ✓ Handles refinancing between banks including coordinating legal appointments
- ✓ Works with clients over months-long journeys with consistent communication
location_on 1/34 Cavendish Drive, Manukau City Centre, Auckland
Before you choose a financial advisor in New Zealand
Drawn from 198 customer reviews collected for this page. The first answer is what it costs.
What does a financial advisor typically cost? expand_more
Fee structures in New Zealand fall into three main models: hourly rates, flat fees, and commission paid by product providers. Hourly rates run from $150 to $400, while a full financial plan often costs $1,500 to $5,000. Mortgage and insurance advisers are often commission-based, meaning you pay nothing directly, but the adviser earns from the lender or insurer. Under the Financial Markets Conduct Act 2013, any commission must be disclosed to you before advice is given.
Does a financial advisor need to be licensed? expand_more
Anyone providing financial advice to retail clients for payment in New Zealand must hold or operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). Individual advisers do not always hold their own licence; many are authorised to operate under a licensed employer or network instead. You can confirm whether an adviser or their firm appears on the Financial Service Providers Register (FSPR) at the Companies Office website before you engage them. If an adviser cannot give you their FAP licence details or does not appear on that register, they are not legally permitted to advise you.
How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more
Advisers who ask detailed questions about your goals, risk tolerance, and existing financial position before mentioning any product are the ones operating as genuine advisers rather than product sellers. Reviews show that the best experiences involved advisers who presented multiple options and explained the reasoning behind each, rather than arriving with a single solution. One negative review highlighted an adviser who recommended a KiwiSaver fund with significantly higher fees without verbally explaining the cost difference, which is a clear sign the advice was product-led. Under New Zealand disclosure rules, any commission an adviser earns from a recommendation must appear in their written statement of advice, so reading that document carefully tells you whether their incentive aligns with your interest.
What are the warning signs of a financial advisor you shouldn't use? expand_more
- –An adviser who recommends switching products without explaining the cost difference, including higher fees, in plain language during your meeting.
- –Commission arrangements that appear only in written documents but are never raised verbally, leaving you unaware of how the adviser is paid.
- –Slow or absent follow-up after your initial enquiry, with unanswered phone calls, unreturned emails, or weeks of silence before any progress.
- –Advice that feels generic and does not reflect the specific details of your income, debts, family situation, or goals.
- –An adviser who presents only one product or lender option without explaining why alternatives were ruled out.
- –No disclosure of their Financial Advice Provider (FAP) licence details when you ask, which means they are not legally permitted to advise you.
What should you ask before hiring a financial advisor? expand_more
- –Ask how they are paid, specifically whether they earn commission from any product provider they might recommend, and how much that commission is.
- –Ask which lenders, insurers, or fund managers they have access to, since an adviser with a limited panel may not be able to find the best option for your situation.
- –Ask whether they will present more than one option and explain the trade-offs between them, rather than arriving with a single recommendation.
- –Ask how they will keep in contact after the initial advice is given, including how often they will review your situation and what happens if your circumstances change.
- –Ask to see their Financial Advice Provider (FAP) licence number so you can verify it on the Financial Service Providers Register (FSPR) before you commit.
Financial Advisors ranked 6 to 10 in New Zealand
They scored below the top 5 on the same public review record.
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6
Logic Finance Limited
★ 5.0 310 reviews Top5 Score 1875★ 305 4★ 2 2★ 1 1★ 2Logic Finance steps in on the hard cases: first home purchases on single incomes, refinances that banks had already turned down, and multi-party property structures that lenders tied together. Advisers like Kamal and Guru work the problem until a solution lands, then keep clients posted at each stage so there are no surprises at settlement.
Reviews most often describe: Complex mortgage and refinance cases other brokers declined
- ✓ Secured approvals after banks and other brokers said no
- ✓ Kept clients informed at every stage throughout the loan process
- ✓ Helped clients buy homes they did not think were financially possible
location_on 39b East Tamaki Road, Papatoetoe, Auckland
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7
Finsol Financial Advisers Napier
verified Verified★ 5.0 617 reviews +6 Top5 Score 1875★ 600 4★ 14 1★ 3Finsol works across home loan advice for first-home buyers, mortgage refinancing, and KiwiSaver management, with advisers like Emma, Gareth, Samara, and Stu each taking ownership of a client's situation from first conversation through to outcome. Evening video calls, same-day responses across phone, email, and text, and plain explanations at each stage mean clients rarely feel left waiting or confused.
Reviews most often describe: Buyers and investors wanting flexible, out-of-hours adviser access
- ✓ Advisers available evenings and via video call for convenience
- ✓ Explains options in plain terms until the path forward is clear
- ✓ Each client matched with a named adviser who stays involved throughout
location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed
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8
Blueprint Finance
★ 5.0 375 reviews Top5 Score 1855★ 374 1★ 1Blueprint Finance coordinates home loan applications, mortgage restructuring, and refinancing, with advisers like Madhav, Jack, and Daniel doing the legwork across lenders while keeping clients informed at every step. Clients navigating their first purchase often describe arriving with little knowledge and leaving with a clear plan, having had options explained until the path forward made sense.
Reviews most often describe: First-home buyers and refinancers wanting clear, guided support
- ✓ Advisers send written summaries after initial goal-setting meetings
- ✓ First-home buyers guided from pre-approval through to settlement day
- ✓ Complex questions answered promptly over email, phone, and video call
location_on 3/381 Great South Road, Ellerslie, Auckland
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9
Naked Finance
★ 5.0 309 reviews Top5 Score 1845★ 302 4★ 5 1★ 2Naked Finance pairs home loan structuring with KiwiSaver reviews, investment planning, and insurance across a named team that includes Matt, Elle, Liam, Lauren, Jamie, Sean, and Jake. Clients frequently move between advisers within the same firm as their needs grow, and each adviser takes time to explain the reasoning behind every recommendation in plain terms rather than financial jargon.
Reviews most often describe: Clients wanting mortgage, KiwiSaver, and investment advice together
- ✓ Advisers explain financial reasoning clearly without using jargon
- ✓ Clients referred within the team as mortgage and investment needs expand
- ✓ First-home buyers guided through loan structuring until they feel in control
location_on 3 Boundary Road, Hobsonville, Auckland
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10
Simply Mortgages by EMI
★ 5.0 264 reviews Top5 Score 1835★ 262 1★ 2Simply Mortgages by EMI brings first-home buyers, investors, and refinancers through to settlement, with adviser Aman working cases that clients previously thought were out of reach. Where buyers arrive uncertain or overwhelmed, they leave with clear explanations at each stage, a confirmed rate, and direct access to Aman by call or text throughout the process.
Reviews most often describe: First-home buyers and investors needing patient, step-by-step guidance
- ✓ Adviser available by call and text outside standard business hours
- ✓ Secures approval for buyers who doubted eligibility before applying
- ✓ Guides refinancing clients to better rates with cash back secured
location_on Unit 5/129 Great South Road, Papatoetoe, Auckland
Related New Zealand rankings
About this ranking
How are the top financial advisors in New Zealand chosen? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out. See how we rank for the full method.
How often are rankings updated? expand_more
Every category and city is recrawled on a rolling cycle, about once a month. This page was last checked on 15 August 2026.
Can a business pay to appear in this list? expand_more
No. Top 5 and Also Recommended positions are merit-only and cannot be purchased. Verifying a business is free. A subscription adds a website link on the card, a public profile page, and competitor and ranking history in the owner's dashboard, none of which affects ranking position. See what a subscription includes.
Why isn't my business listed? expand_more
This national page is built from our city rankings, so a business appears here only if it already ranks in one of the cities we cover. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. At the last update, the smallest review count among the 10 businesses listed here was 264. Check where you rank or read how rankings work.