Commission-only financial advisers in NZ

“We do not charge a service margin for the advice given to you but may charge a service margin for implementing that advice. This service margin will be based on a percentage of the insurer premium to provide and implement our advice to you, payable on payment of your premium.” — Abraham & Associates Limited's PDS dated 2026-05-24

“Accord Brokers does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Accord Insurance Brokers Limited's PDS dated 2026-05-18

“Allcover Financial Limited does not charge fees, expenses or any other amount for the financial advice provided to its clients.” — Allcover Financial Limited's PDS dated 2026-05-18

“We do not usually charge our customers for the advice we provide (the product provider normally pays for it). However, in some circumstances you may be charged a fee for acting on our advice. Whether a fee will be charged and the way it will be charged will be explained to you by your adviser before any fees are incur…” — Apex Advice Group Limited's PDS dated 2026-05-24

“Generally, we do not charge you a fee for our services. This is because our advisers are usually remunerated by way of commission by the providers of loan or insurance products we recommend. However, there are some situations where fees may apply:” — Backbone Nz (2018) Limited's PDS dated 2026-05-24

“Advisers under the Certainty Financial Advisers Network Limited do not charge fees, expenses or any other amount for the financial advice provided to its clients provided the cover stays in force for at least 2 years.” — Certainty Financial Advisers Network Limited's PDS dated 2026-05-24

“Resure does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Clemence Limited's PDS dated 2026-05-24

“Coversure Financial Services does not charge you for any fees relating to any financial advice provided.” — Coversure Financial Services Limited's PDS dated 2026-05-23

“If you proceed with this, you will need to pay the premium to DPL Insurance when this amount is payable. This amount will be based on a number of factors including the extent of the coverage, the length of time it covers, and your excess.” — Driva New Zealand Limited's PDS dated 2026-05-24

“Enva Financial Limited does not charge any upfront fees for our risk advice services. To ensure advice remains accessible, Enva and/or directly related companies are paid a commission by the provider of any product you put in place on the back of our recommendation. If the full commission is not received from a provi…” — Enva Financial Limited's PDS dated 2026-05-24

“In place of an upfront fee, Enva Mortgages Limited and/or directly related companies are paid a commission by the providers for arranging the lending on your behalf.” — Enva Mortgages Limited's PDS dated 2026-05-24

“Eric James & Associates' services are at no cost to you.” — Eric James And Associates Limited's PDS dated 2026-05-24

“Generally, we do not charge clients fees, expenses, or any other amount for the financial advice services we provide. There may be certain situations where a fee will be charged, such as working with a lender who does not pay us a commission. If this applies to your situation, it will be disclosed to you in advance.” — Financial Gurus 2020 Limited's PDS dated 2026-05-24

“We do not charge any upfront fees, expenses or any other amounts for the initial financial advice given to you. If you then choose to use our services to arrange finance we will then disclose any lender fees, brokerage fees, or other lending related costs that may be applicable. These can vary depending on which lende…” — First Rate Mortgages Limited's PDS dated 2026-05-24

“As a general rule Float does not charge for mortgage and insurance advice as we receive product provider commissions. Occasionally, we may work with lenders who don't pay a commission to Float. In this scenario, we may charge a one-off fee for any work we do on your behalf. We would discuss this with you beforehand and…” — Float Financial Advisors Limited's PDS dated 2026-05-24

“We do not typically charge our clients any fees, expenses or other amounts for the financial advice and other services we provide. Instead, our services are paid for through the commissions and other payments we receive from the lenders we assist you to obtain financing from, and from the insurers whose policies we hel…” — Global Financial Services Limited's PDS dated 2026-05-24

“Generally you won't be charged any fees for the financial advice we provide to you. This is possible because, on issuance of an insurance policy, the insurer usually pays commission to us. Any exceptions to this general position are explained below. If these exceptions will apply to you, we will let you know.” — Guardian Insurance Limited's PDS dated 2026-05-24

“Generally, Guardian Smith will not charge any fee for the financial advice we provide you. This is possible because we receive commission for the work we undertake. However, on occasion we may charge you a one-off fee if you request financial advice and we do not receive commission. In this case you will be made aware…” — Guardian Smith Limited's PDS dated 2026-05-24

“In general, our service is free to clients as the product providers pay us a commission on completed business. Occasionally, where a provider does not pay us a commission, we may need to charge a fee. Fees will always be justified by the amount of work involved in the transaction/advice and will be clearly explained up…” — H&c Financial Services Limited's PDS dated 2026-05-24

“Haven does not charge any upfront fees for risk advice services. Haven and/or directly related companies are paid **commission** by the provider of any product put in place on the back of a recommendation. If the full commission is not received from a provider, Haven may charge a **service fee**. This fee will always …” — Haven Financial Advisers Limited's PDS dated 2026-05-24

“Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above.” — Home Loan Finance Limited's PDS dated 2026-05-18

“We are paid brokerage by the Insurers we do business with when we arrange your insurance. As a general rule, the brokerage we receive is a percentage of the Insurer's base premium and natural disaster premium. We may apply a service charge to your total premium to enable us to continue to deliver our high level of ser…” — Insurance Design Limited's PDS dated 2026-05-24

“We do not charge a fee for the financial advice that we provide. If you decide to take out any policies with us, Invicta Financial will receive a commission from the providers that we work with. The commissions we receive are paid by the product providers and do not increase the cost of the product for you.” — Invicta Financial Limited's PDS dated 2026-05-18

“Assured Life does not charge any fees, expenses or any other amount for any financial advice provided to our clients. If the financial adviser recommends any insurance policies for you, you will be informed of the costs of the policies.” — Jj & J Financial Services Limited's PDS dated 2026-05-24

“Carrot does not expect to charge you for the advice we provide. However, if a fee is payable, we'll discuss this with you before we charge it and confirm it in a statement of advice before the work is performed.” — Ksg Limited's PDS dated 2026-05-24

“Our mortgage advisory service is **free for you** — we are paid by the banks and lenders, not by clients.” — L Reardon Limited's PDS dated 2026-05-24

“LifeDirect does not charge any fees for our service.” — Lifedirect 2020 Limited's PDS dated 2026-05-24

“Generally I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender. Any exceptions to this general position are explained below.” — Lift Capitals Limited's PDS dated 2026-05-18

“Our service is **free for clients**. ¹ > ¹ Loan Market advisers are generally paid a commission by the lender when a loan is settled.” — Loan Market Dunedin Limited's PDS dated 2026-05-24

“Generally the Adviser Business and its Financial Advisers won't charge you any fees for advice and transactional solutions. This is possible because, if you acquire a product following receipt of their advice, the Adviser Business or the Financial Adviser usually receives commission from the applicable product provider” — Marcroft Mortgages Limited's PDS dated 2026-05-24

“We are remunerated by a percentage of commissions or fixed fee from Insurance and KiwiSaver Providers. We also receive a percentage of trail commissions earned on renewed Risk policies and fixed fee on KiwiSaver.” — Maurice Trapp Group Limited's PDS dated 2026-05-24

“Maxicare Financial Services Limited typically do not charge a fee for the financial advice and assistance when there is reasonable scope to earn a commission. Maxicare Financial Services Ltd may charge a fee for the financial advice provided to a client where a client cancels an insurance policy within two years of in…” — Maxicare Financial Services Limited's PDS dated 2026-05-18

“We do not charge any fees, expenses or any other amounts for financial advice given to you. If the financial adviser recommends any products for you that do incur a fee (e.g. personal loan, Investment), you will be informed of the costs.” — Megan Ward Consultancy Limited's PDS dated 2026-05-24

“The actual fee charged to you will depend on the nature and scope of the advice or service we provide. We will discuss and agree the actual fees with you before we proceed and explain how they are payable.” — Mortgage Bliss Limited's PDS dated 2026-05-24

“Generally I won't charge you any fees for the financial advice I provide to you. This is possible because, on settlement of a loan, I usually receive commission from the lender [which is explained in the commission section of this Disclosure Guide]. Any exceptions to this general position are explained below.” — Mortgage Planners Limited's PDS dated 2026-05-18

“We do not charge clients fees, expenses or any other amount for the financial advice we provide. You will not be invoiced or asked to pay any fees to us at any time, even if the engagement of services or the products placed through this engagement is terminated by either party.” — Ms Financial Service Limited's PDS dated 2026-05-24

“We do not charge fees to you for our advice. We will receive a commission from the insurance provider when you take out a policy and when you renew your policy each year. We will provide details of these commissions (including any broker servicing fee) when we make recommendations to you.” — National Credit Insurance (brokers) Nz Limited's PDS dated 2026-05-24

“We do not charge anything when you come to us for consultation. For home loans we charge an application fee for new mortgage finance and for additional mortgage finance where the mortgage finance is approved and settled. There is no application fee for Insurance products.” — Nz Home Loans (whangarei South) Limited's PDS dated 2026-05-24

“Parka Insurances may charge a fee for the financial advice provided to a client in the following circumstances: - Where a client cancels a life, income, mortgage, trauma or health insurance policy within two years of starting the policy. Whether we charge a fee and how it will be charged will be advised when we provide…” — Parka Insurances Limited's PDS dated 2026-05-20

“For Life, Disability and Health insurance, Policywise and the financial adviser receive a fee which is a financial remuneration based on the percentage of the amount of premium from the insurance companies on whose policies we give advice. If you decide to take out insurance, the insurer will pay a fee to Policywise.” — Policywise Limited's PDS dated 2026-05-23

“Protect Financial Services 2023 Ltd may charge a fee for financial advice provided to a client if the client cancels an insurance policy within two years of inception. Whether a fee will be charged, and the amount of the fee will be advised when the advice is provided. This fee will be payable by the client by the 20th…” — Protect Financial Services 2023 Limited's PDS dated 2026-05-24

“Generally, Quantum Finance doesn't charge fees or expenses of any kind for the financial advice provided to our clients. This is possible because on settlement of a loan, issuing of a policy, or KiwiSaver account under management, we usually receive commission from the lender or provider.” — Quantum Finance Auckland Limited's PDS dated 2026-05-24

“Generally, we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a mortgage, we usually receive commission from the applicable product provider as described above.” — R K Mortgages Limited's PDS dated 2026-05-18

“Generally, we will not charge you a fee or expenses for any financial advice we provide you. This is because we are paid by the lenders/insurers/KiwiSaver providers in the form of commission. The commission we receive from the product provider is not charged on top of their normal service or loan/insurance policy charg…” — Smartlife Financial Solutions Limited's PDS dated 2026-05-24

“We do not charge any fees, expenses, or other amounts for insurance advice. We receive a commission from the relevant insurance company if you take out an insurance policy following our advice. This commission is generally upfront in nature and may also include a trail commission.” — Sp Brokers Limited's PDS dated 2026-05-24

“Spratt Financial Services does not charge fees, expenses or any other amount for the financial advice provided to its clients.” — Spratt Financial Services 2004 Limited's PDS dated 2026-05-18

“Canopy Group Ltd does not charge fees, expenses or any other amount for the financial advice provided to its clients for Insurance, general KiwiSaver advice or standard bank finance. In certain cases, a fee may be charged for non-standard lending services or if a loan is repaid or refinance within the first two years a…” — Springhall Brokers Limited's PDS dated 2026-05-18

“Generally we don't charge you any fee for the advice and transactional solutions that we provide to you. This is possible because, on settlement of a home loan or insurance policy, we usually receive commission from the applicable product provider as described above.” — Stewart&lord Limited's PDS dated 2026-05-24

“For all transactions we provide a remuneration disclosure at the time of providing advice if our remuneration is known, and this may also include an administration fee which we will disclose to you.” — The Advisers Limited's PDS dated 2026-05-24

“On occasion, some providers may not pay a commission. In this situation, we will charge a fee for our advice. The fee payable will be a reflection of the time required to obtain a loan approval for you. Where a fee will be payable for the advice, your Best Mortgages adviser will agree the amount of the fee with you *pr…” — The Best Limited's PDS dated 2026-05-18

“Generally, we do not charge clients fees, expenses or any other amount for the financial advice services we provide. There may be certain situations where a fee will be charged, such as working with a lender who does not pay us commission. If this applies to your situation it will be disclosed to you in advance.” — Tony Mounce Mortgages Limited's PDS dated 2026-05-24

“We **do not charge you a fee** for arranging finance.” — Vega Mortgages Limited's PDS dated 2026-05-18

“Vested does not charge fees, expenses or any other amount for any financial advice provided to its clients.” — Vested Limited's PDS dated 2026-05-24

“As Financial Advisers, we are usually paid by the Provider that you choose to use. On some occasions we are not paid directly, and therefore may invoice you directly for our services. In these events, you will be notified in advance, and asked to confirm your acceptance of the fee(s) prior to our commencing work on you…” — Visavis Financial Limited's PDS dated 2026-05-23