The lending process has changed considerably in recent years, but advisers say there are still opportunities to make it faster, fairer and easier to navigate
Commission clawbacks are an accepted risk of mortgage advice, but that risk can have a meaningful impact on an advice business
In a quieter lending market, strong referral relationships, personal reputation and consistently good service are proving more valuable than large advertising budgets
Non-bank lending is increasingly being considered earlier in the advice process, but better lender selection, stronger application narratives and realistic client expectations remain essential to securing approval
As more New Zealanders reach retirement carrying debt or struggling to meet rising living costs, reverse mortgages are moving from the fringes of financial planning into broader conversations about how housing wealth can support later life
New Zealand borrowers are increasingly earning, investing and structuring their finances in ways that do not fit neatly into traditional lending models, placing greater importance on individual assessment and specialist expertise
Advisers are seeking more help to manage compliance, unlock growth and diversify their services as a quieter lending market accelerates the shift towards more scalable, technology-enabled businesses
Reverse mortgages take a prominent position in Heartland’s lending strategy as adviser involvement grows and the bank prepares for a potential transformation
Loan Market’s Scale Up conference put AI search firmly in the spotlight, revealing that visitors arriving through AI tools are far more likely to convert than traditional search traffic
How can advisers diagnose financial pressure early, prescribe a more effective lending strategy and keep clients on track for 2027 and beyond?
