Global mortgage alliance forecasts AI shift for advisers
For the first time, New Zealand has taken a seat at the table of the world’s peak mortgage broker organisation – the International Mortgage Brokers Federation (IMBF) – through the Finance and Mortgage Advisers Association of New Zealand (FAMNZ).
Brokers from the USA, UK, Canada, Ireland, Australia, New Zealand, and other European nations met to discuss how technology, regulation, and consumer expectations are reshaping the mortgage industry.
FAMNZ managing director Peter White (pictured), who also chairs IMBF, said the opportunity for open dialogue among nations was critical.
“It’s vital that we understand the trends and experiences of other jurisdictions in a globally connected world,” White said.
Human advice to stay at the heart of broking
IMBF’s newly released white paper – developed from the world summit – predicts that personalised, ethical human advice will remain central to mortgage broking as the industry enters a “decade of unprecedented change.”
“FAMNZ will be using this paper at board level, to ensure that the industry here becomes stronger and more resilient and that our members thrive,” White said. “New Zealand advisers are already among the world’s best and learning from others across the world helps us create an environment that will further enhance their knowledge, skills, and insights.”
Five global signals shaping the mortgage adviser of 2030
IMBF white paper highlights that “artificial intelligence, embedded finance, regulatory shifts, and changing consumer expectations are transforming how – and where – advice is provided.” It identified five key signals defining the mortgage adviser of 2030:
- Advice is what sets you apart: Personalised, ethical guidance remains the broker’s strongest differentiator in a world of embedded finance.
- Technology and trust must coexist: AI should complement, not replace, brokers — combining digital efficiency with human understanding.
- Education must evolve: Future brokers need technological and emotional intelligence alongside compliance and business acumen.
- Inclusion fuels innovation: Gender diversity drives resilience, reach, and relevance, aligning with growing customer expectations.
- Brokers as co-creators: Policymakers and tech platforms must collaborate with brokers to design systems that reflect real client journeys.
Why this global conversation matters now
The IMBF white paper comes at a pivotal time for the global mortgage industry. Across markets – including New Zealand and Australia – brokers are adapting to digital lending platforms, evolving compliance regimes, and the rise of AI-driven loan assessment tools.
Locally, FAMNZ’s participation aligns with the New Zealand government’s review of financial advice regulation and industry efforts to boost consumer trust and education standards. Meanwhile, lenders are investing heavily in AI and automation, prompting advisers to redefine their value in an increasingly digital environment.
By contributing to global discussions, FAMNZ ensures New Zealand’s voice is heard as the profession rethinks its balance between human connection and technological innovation.
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