Distribution Network
Southern Cross distribution network in New Zealand
67 New Zealand Financial Advice Providers list Southern Cross on their public product panel, collectively employing 745+ registered financial advisers. Data current as of 2026-09-10.
FAPs distributing Southern Cross
Sorted by adviser count. Click a FAP to see their full Public Disclosure Statement mirror.
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“Enva Financial Limited have chosen to work with the following personal risk insurers: - Accuro - AIA - Chubb Life - Fidelity Life - NIB - Partners Life - Southern Cross” — Enva Financial Limited's PDS dated 2026-05-24 · source
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“Accuro - AIA - Asteron - Chubb - Fidelity Life - Greenwich - NIB - Partners Life - Southern Cross Haven will only consider the providers listed above when recommending a product to meet personal risk insurance needs.” — Haven Financial Advisers 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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“**Life Insurance:** AIA, Asteron, Booster, Resolution Life, Chubb, Fidelity, DPL and Partners Life - **Health Insurance:** Accuro, AIA, Partners Life, nib and Southern Cross - **KiwiSaver:** Generate, NZ Funds, Booster, Fisher Funds, Milford Asset Management and ANZ OneAnswer” — Maurice Trapp Group 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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“Our recommendations to you are limited to the products offered by the following companies: - AIA - Asteron - Chubb - Fidelity - NIB - Partners Life - Southern Cross” — Long Burroughs Limited's PDS dated 2026-05-24 · source
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“ANZ, ASB, BNZ, Westpac, Go Home Loans (formerly Sovereign Home Loans), The Co-operative Bank, TSB, DBR Finance, Avanti Finance, SBS, Resimac, Liberty Finance, Asset Finance, Basecorp, Goldband Finance, Prospa, Select Finance, Bluestone, First Mortgage Trust, ASAP Finance, Unity (…” — Visavis Financial Limited's PDS dated 2026-05-23 · source
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“The current lenders we can use include: - ANZ - Westpac - BNZ - ASB - ASAP Finance Limited - Avanti Finance - Cressida Capital - DBR - KiwiBank - First Mortgage Trust - Heartland Bank - Liberty Financial Limited - Unity Credit Union - SBS Bank Select Home Loan - Southern Cross -…” — Plaxo Mortgages Limited's PDS dated 2026-05-24 · source
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“**Synergy Investments** – for clients who have a smaller lump sum to invest or who want to contribute regularly to their investment. - **Milford, Booster, Generate, Kernel, KiwiWrap and Pathfinder** – our KiwiSaver providers. - **Asteron, AIA, Fidelity Life, Chubb, PPS Mutual and…” — Lighthouse Wealth Limited's PDS dated 2026-05-24 · source
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“Partners Life | AIA | Southern Cross | nib | Chubb | Autosure (Greenwich Life)” — Backbone Nz (2018) Limited's PDS dated 2026-05-24 · source
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“ANZ, Westpac, BNZ, ASB, ASAP Finance Limited, Avanti Finance, Cressida, DBR, First Mortgage Trust, Heartland Bank, Liberty Financial, NZCU, Pepper Money, RESIMAC, SBS Bank, SELECT, Southern Cross, Sovereign, The Cooperative Bank.” — Smartlife Financial Solutions Limited's PDS dated 2026-05-24 · source
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“**Life insurance:** Cigna, Fidelity Life, Asteron Life, AIA, AMP, Partners Life, Southern Cross & NIB (eight companies) - **Health insurance:** AIA, Partners Life, Southern Cross, NIB (four providers) - **KiwiSaver:** NZ Funds, Generate and Booster” — Vested Limited's PDS dated 2026-05-24 · source
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“We provide financial advice about Mortgages & Insurances provided by the following product providers:” — Rapson Loans & Finance Limited's PDS dated 2026-05-24 · source
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“Risk Insurance** | • AIA.<br>• Asteron Life.<br>• Chubb Life.<br>• Fidelity Life.<br>• Partners Life.<br>• Resolution Life. (ex AMP)” — Zest 2008 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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“Life Insurance** — we work with: - AIA New Zealand - Cigna - Fidelity Life - Partners Life and all the available products within their companies. **Health Insurance** — we work with: - Nib - Southern Cross **Mortgages** — we work with: - ANZ | BNZ | Co-Operative Bank | SBS | T…” — Jj & J Financial Services Limited's PDS dated 2026-05-24 · source
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“Certain CMFP advisers (see page 3) provide advice to clients about their KiwiSaver Plans, Investments, Mortgages, Life insurance, Health insurance, Retirement Planning and Wealth Management. Not all our advisers provide all these types of financial advice, or deal with all the fo…” — Chris Mackay 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 - Cressida Capital - Heartland Bank - RESIMAC - Southern Cross - Zip Business - Westpac - ASAP Finance Limited - DBR - Liberty Financial Limited - SBS Bank - The Co-operative Bank - CFML - BNZ - Avanti Finance - First Mortgage Trust - Unity - Select Home Loan - Baseco…” — Mortgage Planners 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 Southern Cross products, this list narrows your choice to 67 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 Southern Cross — 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='Southern Cross')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.