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Best Financial Advisors in Napier and Hastings

We assessed 10 financial advisors in Napier and Hastings 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 1,245 Google reviews between them. No business can pay for a place in these rankings. Last updated 15 August 2026. How we rank →

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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 Napier and Hastings

The top 5 financial advisors in Napier and Hastings are Finsol, MTF Finance Napier, MTF Finance Hastings, CM Financial Advisers, and Vesta Finance & Advisory, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Finsol Financial Advisers Napier

    verified Verified
    ★ 5.0 617 reviews +6 Top5 Score 187
    5★ 600 4★ 14 1★ 3

    Finsol guides clients through home purchases, refinancing, and KiwiSaver management, with advisers like Emma, Gareth, Samara, and Stuart known for explaining options clearly and working around client schedules including evenings. Meetings happen via video call or in person, and communication comes by phone, email, or text depending on what suits the client, so nothing falls through the gaps.

    Reviews most often describe: First-home buyers and KiwiSaver clients needing flexible access

    • ✓ Evening and video call appointments available to fit client schedules
    • ✓ Advisers explain financial options in plain, easy-to-understand language
    • ✓ Clients receive responses by phone, email, or text as needed

    location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed

    language finsol.co.nz call 06 650 5162 map Map verified View profile
  • 2

    MTF Finance Napier

    ★ 5.0 282 reviews +11 Top5 Score 173 +1
    5★ 278 4★ 3 1★ 1

    MTF Finance Napier turns loan applications around quickly, covering vehicle finance, debt consolidation, and business lending without drawing out the process. Joel and the team walk clients through their options, and have structured deals where borrowers consolidated existing debt, increased their loan amount, and came out paying less overall.

    Reviews most often describe: Fast loan approvals and debt consolidation in Napier

    • ✓ Loan applications processed fast with minimal back-and-forth from clients
    • ✓ Debt consolidation structured to reduce total repayments for borrowers
    • ✓ Long-term clients return repeatedly across years for new loans

    location_on 9A Kennedy Road, Napier South, Napier

    map Map Is this your business?
  • 3

    MTF Finance Hastings

    ★ 5.0 162 reviews Top5 Score 166
    5★ 157 4★ 5

    MTF Finance Hastings gets vehicle loans, equipment finance, and repeat borrowing done without unnecessary complexity, with staff like Tasha, George, and Rheace walking clients through the full process clearly. Borrowers who come back for second or third loans point to how straightforward each application feels, and several mention leaving with a genuine understanding of their finance arrangement.

    Reviews most often describe: Borrowers wanting a stress-free, fast loan process

    • ✓ Staff explain loan terms clearly so clients understand what they signed
    • ✓ Multiple borrowers return for second and third loan applications
    • ✓ Fast approval process regularly completed without delays or confusion

    location_on 100 Queen Street East, Hastings

    map Map Is this your business?
  • 4

    CM Financial Advisers

    ↓ 1
    ★ 4.9 97 reviews Top5 Score 158
    5★ 91 4★ 6

    CM Financial Advisers covers health and life insurance, KiwiSaver portfolio placement, and mortgage lending, with named advisers like David, Ian, Jeremy, Nobin, Steve, and Sue each building ongoing relationships rather than one-off transactions. Clients with changing family circumstances point to advisers proactively updating cover as their lives shift, and first-home buyers who thought ownership was out of reach have reached settlement through Steve's persistence across multiple attempts.

    Reviews most often describe: Clients wanting long-term ongoing support across insurance and KiwiSaver

    • ✓ Advisers explain insurance options in plain language clients can follow
    • ✓ KiwiSaver clients directed into portfolios that match their circumstances
    • ✓ Mortgage clients supported through multiple application attempts until approved

    location_on 310 Avenue Road East, Hastings

    map Map Is this your business?
  • 5

    Vesta Finance & Advisory - Mortgage Brokers

    ↓ 1
    ★ 5.0 46 reviews +8 Top5 Score 150 +3
    5★ 46

    Vesta Finance & Advisory has helped clients through KiwiSaver fund selection and transfers, mortgage restructuring, debt consolidation, and business lending, including deals that other brokers declined to take on. Their document system lets clients upload and track what is outstanding, which reviewers say removes much of the usual friction from the application process.

    Reviews most often describe: Complex cases and clients other advisers turned away

    • ✓ Restructured complex finances to meaningfully improve monthly cash flow
    • ✓ KiwiSaver reviews result in fund changes that align with client goals
    • ✓ Secured deals for clients previously turned away by other lenders

    location_on 1 Wright Street, Ahuriri, Napier

    map Map Is this your business?

Before you choose a financial advisor in Napier and Hastings

Drawn from 102 customer reviews collected for this page. The first answer is what it costs.

What does a financial advisor typically cost in New Zealand? expand_more

Fee structures in New Zealand fall into three main categories: hourly rates, flat fees, and commission-based models. Hourly rates run from $150 to $400, while a full financial plan often costs between $1,500 and $5,000. Mortgage and insurance advisers frequently work on commissions paid by lenders or insurers, meaning the client pays nothing directly. Under the Financial Markets Conduct Act, all commissions and fees must be disclosed before advice is given, so ask for a disclosure statement upfront.

Does a financial advisor need to be licensed in New Zealand? expand_more

Since March 2023, anyone providing financial advice to retail clients for payment must operate under a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Individual advisers work either under their own FAP licence or as authorised representatives of a licensed provider. You can verify any adviser's status by searching the Financial Service Providers Register at the Companies Office website, which is free and publicly accessible. If an adviser cannot provide their FAP licence details or does not appear on that register, they are not legally allowed to advise you.

How do I know if the advice is tailored to my situation, or just a product recommendation? expand_more

Genuine tailored advice starts with questions about your goals, not a product pitch, and reviewers highlight advisers who took time to understand their full situation before making any recommendation. One pattern across reviews is advisers presenting multiple options and explaining the reasoning behind each, rather than arriving with a single solution already decided. Under the Financial Markets Conduct Act, advisers must disclose any commissions tied to a product recommendation, so if that disclosure does not appear before a specific product is suggested, treat it as a warning sign.

What are the warning signs of a financial advisor you shouldn't use? expand_more
  • –An adviser who opens with a product recommendation before asking about your income, debts, goals, or family situation is skipping the fact-find that good advice depends on.
  • –No written disclosure of fees or commissions before advice is given is a legal breach, not just poor practice.
  • –Advisers who present only one option without explaining why alternatives were ruled out are limiting your ability to make an informed choice.
  • –Poor responsiveness after the initial meeting is a red flag, one review noted an estate management situation where communication became dismissive once the relationship was established.
  • –An adviser who cannot provide their FAP licence number or does not appear on the Financial Service Providers Register should not be engaged.
  • –Vague explanations of how a product works, or reluctance to answer follow-up questions, suggests the advice is not genuinely client-focused.
What should you ask before hiring a financial advisor? expand_more
  • –Ask how they are paid, whether that is a fee, a commission from a lender or insurer, or a combination, and request the disclosure statement in writing before any advice is given.
  • –Ask which lenders, insurers, or product providers they have access to, since advisers with a narrow panel may not be able to find the most suitable option for your situation.
  • –Ask whether they will present more than one option and explain the trade-offs of each, rather than arriving with a single recommendation.
  • –Ask how they handle situations where your circumstances change, such as job loss, a growing family, or a business setback, and how often they will proactively check in.
  • –Ask for their FAP licence number and look them up on the Financial Service Providers Register before signing anything.
  • –Ask whether they specialise in the area you need, whether mortgage lending, KiwiSaver, insurance, or investment planning, since reviewers respond better to advisers with clear relevant expertise.

Financial Advisors ranked 6 to 10 in Napier and Hastings

They scored below the top 5 on the same public review record.

  • 6

    Public Trust

    ↓ 1
    ★ 4.3 16 reviews Top5 Score 127
    5★ 13 1★ 3

    Public Trust draws clients seeking wills, enduring powers of attorney, and estate administration, covering the full lifecycle of personal legal and financial planning. Staff at offices like Hastings are noted for making difficult processes feel personal, particularly when families are navigating bereavement, and the option to complete wills and EPOAs online adds genuine flexibility for those who prefer it.

    Reviews most often describe: Wills, EPOAs, and estate matters needing trusted execution

    • ✓ Online option available for wills and EPOA completion
    • ✓ Staff take a personal approach during bereavement and estate matters
    • ✓ Clients report clear, prompt communication throughout difficult family situations

    location_on 301 Karamu Road North, Mayfair, Hastings

    map Map Is this your business?
  • 7

    Jim and Cam - Crediflex Asset Finance

    ↓ 1
    ★ 5.0 8 reviews Top5 Score 127
    5★ 8

    Crediflex secures asset finance for business equipment, specialist trailers, and ride-on machinery, often completing deals within two to three days of first contact. Where applications have been a tough sell to lenders, Cam and Jim have stayed with clients through a difficult process rather than walking away, finding a bank provider that fits.

    Reviews most often describe: Businesses needing fast finance for unusual or complex assets

    • ✓ Finance settled within days, not weeks, across multiple deals
    • ✓ Stayed with complex multi-company applications until finance was secured
    • ✓ Clients report feeling little burden during the application process

    location_on 11 Ford Road, Onekawa, Napier

    map Map Is this your business?
  • 8

    Lifetime

    ↓ 1
    ★ 5.0 4 reviews Top5 Score 119
    5★ 4

    We generate summaries once a business has enough reviews for a reliable sample.

    location_on 310 Avenue Road East, Central Hastings, Hastings

    map Map Is this your business?
  • 9

    Stewart Group, Hawke's Bay

    ↓ 1
    ★ 4.5 4 reviews Top5 Score 116
    5★ 2 4★ 2

    We generate summaries once a business has enough reviews for a reliable sample.

    location_on 204 Karamu Road North, Hastings

    map Map Is this your business?
  • 10

    Credit House Finance

    ★ 4.6 9 reviews Top5 Score 112
    5★ 8 1★ 1

    Credit House Finance works with clients whose financial situations shift over time, adjusting arrangements rather than holding borrowers to rigid terms when circumstances change. Long-term clients point to a responsiveness that keeps the relationship working through different life stages, and the willingness to find workable solutions rather than simply saying no.

    Reviews most often describe: Borrowers with changing financial circumstances needing flexibility

    • ✓ Adapts loan terms when clients face changing financial circumstances
    • ✓ Long-term clients return and stay for years with the same provider
    • ✓ Quick turnaround on credit applications across a range of needs

    location_on 197 Marine Parade, Napier South, Napier

    map Map Is this your business?

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About this ranking

How are the top financial advisors in Napier and Hastings chosen? expand_more

We build this page from Google Maps results for financial advisors in Napier and Hastings. 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 every two months. 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

We build this page from Google Maps results for financial advisors in Napier and Hastings. 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 4. Check where you rank or read how rankings work.