Distribution Network
Pepper Money distribution network in New Zealand
22 New Zealand Financial Advice Providers list Pepper Money on their public product panel, collectively employing 295+ registered financial advisers. Data current as of 2026-07-26.
FAPs distributing Pepper Money
Sorted by adviser count. Click a FAP to see their full Public Disclosure Statement mirror.
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“ANZ, ASB, BNZ, Kiwibank, Westpac, The Co-operative Bank, SBS Bank, TSB **Non-Bank Lenders:** Avanti Finance, Basecorp, Bluestone, DBR, First Mortgage Trust, Funding Partners, Liberty, Pepper Money, Resimac, Select, NZCU, and more.” — The Mortgage Lab Nz Limited's PDS dated 2026-05-24 · source
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“ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - PROSPA - Avanti Finance - Cressida Capital - DBR - First Mortgage Trust - General Finance - Heartland Bank - Liberty Financial Limited - Unity - Pepper Money - SBS Bank - Southern Cross - AIA Go Home Loan - The Co-operative Bank …” — Guardian Smith Limited's PDS dated 2026-05-24 · source
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“Life and Disability Insurance** – AIA, AMP (now Resolution Life), Asteron Life, Chubb, Fidelity Life, NIB, Partners Life & Southern Cross. - **Health Insurance** – Accuro, AIA, NIB, Partners Life & Southern Cross. - **KiwiSaver** – ANZ, Aurora, Booster, Fisher Funds, Generate, Ke…” — Clemence Limited's PDS dated 2026-05-24 · source
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“ASB - BNZ - AIA - Liberty Financial - ANZ - Westpac - SBS Bank - Resimac - Prospa NZ - FMT - Avanti Finance - Bluestone Mortgages - Pepper Money - NZCU - Southern Cross Partners” — Enva Mortgages Limited's PDS dated 2026-05-24 · source
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“ANZ - BNZ - ASB - Westpac - Kiwibank - Bank of China - Heartland Bank - SBS Bank - The Co-operative Bank - China Construction Bank - ICBC - TSB” — Surecapital Investments Limited's PDS dated 2026-05-24 · source
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“The advice we offer is limited to the products from the following providers: - ASB - Westpac - ANZ - BNZ - Co-operative Bank - Pepper Money - Resimac - Bluestone - Asap Finance - Avanti - Basecorp - Cressida Capital - DBR - First Mortgage Trust - Funding Partners CFML - Heartlan…” — The Capital Finance Limited's PDS dated 2026-05-24 · source
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“We work with both main banks and second-tier lenders: - ANZ - Apricity - ASAP Finance - ASB - Avanti Finance - Bank of China - Basecorp Finance - Bluestone - BNZ - Clever Money - Cressida Capital - DBR - First Mortgage Trust - Funding Partners - Heartland Bank - Kiwi Bank - Libe…” — Mortgageme Financial Services Queenstown Lakes Limited's PDS dated 2026-05-18 · source
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“AIA, Chubb, NIB, Fidelity Life, Partners Life, Accuro (UniMed), Asteron Life” — Orange Financial Services Limited's PDS dated 2026-05-18 · source
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“We are able to use the products of almost any provider operating in the NZ market. These are the ones we currently choose to use.” — Castle Trust Financial Planning Limited's PDS dated 2026-05-24 · source
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“ANZ - ASB - Cressida - Heartland Bank - Pepper Money - SELECT - The Co-operative Bank - Basecorp Finance - Westpac - ASAP Finance Limited - DBR - Liberty Financial - RESIMAC - Southern Cross - BOC - CFML - BNZ - Avanti Finance - First Mortgage Trust - NZCU - SBS Bank - Sovereign …” — Lift Capitals Limited's PDS dated 2026-05-18 · source
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“ANZ, ASB, BNZ, Westpac, Kiwibank, The Cooperative Bank, SBS, TSB, ASB Go Home Loans (AIA), Bank of China, China Construction Bank, ICBC. - ASAP Finance, Avanti, Basecorp, CMFL, Cressida Capital, DBR, Finbase, First Mortgage Trust, Funding Partners, General Finance, Heartland Bank…” — Prosperity Advisors Limited's PDS dated 2026-05-18 · source
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“ANZ, ASB, Avanti, BNZ, Co-operative, Cressida, DBR, First Mortgage Trust, General Finance, Heretaunga Building Society (HBS), Kiwibank, Liberty, Midlands Mortgage Trust, NZCU Baywide, Pepper Money, Prospa, Resimac, SBS Bank, Select, Sovereign Home Loans, TSB Bank, Westpac, Baseco…” — Dm Consult (nz) Limited's PDS dated 2026-05-18 · source
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“For mortgages**, we work with banks and non-bank lenders ANZ, Apricity Finance, ASAP Finance, ASB, Avanti Finance, Asset Finance, Admiral Finance, Basecorp Finance, BNZ, CFL, Cressida Capital, DBR, Funding Partners, Geneva Finance, Gold Band Finance, Kiwi Bank, Lock Finance, MBG,…” — Moneykart Limited's PDS dated 2026-05-18 · source
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“ANZ - ASAP Property Finance - ASB - Asset Finance - Avanti Finance - Bank of China - Base Corp Finance - Bizcap - BNZ - First Mortgage Trust - Funding Partners - Heartland Bank (Open 4 Business and Senior Finance) - Kiwibank - Liberty Finance - Lock Finance - NBS - Pepper Money -…” — Mortgage Mart (nz) Limited's PDS dated 2026-05-18 · source
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“ANZ * ASB * ASAP Finance * Avanti Finance * Westpac * BNZ * Cressida Capital * First Mortgage Trust * SBS Bank * Heartland Bank * Pepper Money * Unity * The Co-Operative Bank * Kiwibank * Liberty Financial * Prospa * AIA Go Home Loans” — Home Loan Finance Limited's PDS dated 2026-05-18 · source
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“AIA - Resolution Life - Asteron Life - PPS - Chubb - Fidelity Life - Partners Life” — Springhall Brokers Limited's PDS dated 2026-05-18 · source
What "distribution" means here
Under New Zealand's Financial Markets Conduct Act 2013, every Financial Advice Provider (FAP) must publish a Public Disclosure Statement under section 431 covering — among other things — the product providers they are appointed to distribute. FinanceAdvisersNZ mirrors these PDSes and parses the product-panel section into structured data so that comparison across FAPs becomes possible.
Being on a FAP's product panel does not mean the FAP exclusively recommends that provider — most FAPs distribute a small set of providers per product category and recommend within that set based on client suitability. It does mean the FAP has a commercial arrangement (commission, share of fees, or other consideration) with the provider that consumers should understand before engaging.
How to use this page
If you want a New Zealand financial adviser who can advise on Pepper Money products, this list narrows your choice to 22 FAPs. Click through to a FAP's profile page to read their full disclosure statement, see fee structure, and view conflict-of-interest disclosures before making contact.
If you want the opposite question — "what products does my adviser's FAP distribute?" — go to your adviser's profile and read the Distribution Panel section.
Methodology, freshness, and limits
- Source: Mirror of FAP Public Disclosure Statements filed under FMC Act 2013 s431. We are not the publisher of any PDS — we mirror what each FAP has made public.
- Extraction: Product-provider names are extracted from PDS markdown by Claude (LLM-extracted, confidence tier C). For original wording, refer to each FAP's own publication via the FSPR register entry linked from their profile page.
- Coverage: FinanceAdvisersNZ currently has PDS data on file for ~51 of ~521 NZ FAPs (10%). Coverage grows as we ingest more PDSes. A FAP not listed here may still distribute Pepper Money — we simply do not yet have their PDS in our corpus.
- Freshness: PDS data is re-checked quarterly. Each FAP profile page shows the version date of the PDS we have on file.
- Name normalisation: We do not currently normalise product-provider name variants (e.g. "ASB Bank" vs "ASB"). Future data-quality pass will collapse variants.
For NZ FAPs
If you are a Financial Advice Provider and we have incorrectly listed your firm here, or if your Public Disclosure Statement has been updated since our last ingest, please contact hello@financeadvisers.co.nz and we will refresh our mirror.
For data partners + B2B intelligence buyers
FinanceAdvisersNZ publishes the static state of NZ FAP product panels (this page) as free public data. For time-series intelligence — when FAPs add or remove a provider from their panel, market-share trend reports, cross-product panel queries, switching-event alerts, or bespoke market-entry research — contact hello@financeadvisers.co.nz.
Machine-readable data + related queries
- MCP query: Send
get_network_edges(edge_type='fap_to_product_provider', to_id='Pepper Money')to /mcp via JSON-RPC 2.0 - FAP register check: Look up any listed FAP by FSP number at the Financial Service Providers Register (authoritative source)
- Other adviser networks: view all distribution networks
- Find an adviser by service + city: filterable directory
FinanceAdvisersNZ is a directory mirror of public NZ register and FAP disclosure data. We are not a Financial Advice Provider, do not provide regulated financial advice, and do not vet, verify, or endorse advisers.