Distribution Network
Unity Credit Union distribution network in New Zealand
24 New Zealand Financial Advice Providers list Unity Credit Union on their public product panel, collectively employing 313+ registered financial advisers. Data current as of 2026-07-26.
Name variants in the source data: Unity, Unity Credit Union, NZCU, Unity (Formerly NZCU), Unity Money.
FAPs distributing Unity Credit Union
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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“ASB - ANZ - Westpac - BNZ - Bank of China - AIA Homeloans - Heartland Bank - KiwiBank - SBS - The Cooperative Bank” — Star Mortgage Limited's PDS dated 2026-05-24 · source
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“Oxford Finance - Avanti Finance - Financial Holdings Limited (FHL) - Finance Now - Thorn Finance - NZCU - UDC - Nectar - Geneva - Latitude Financial Services - CFS Finance - Branded Financial Services” — One Partner Limited's PDS dated 2026-05-23 · 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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“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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“Adroy Capital Limited - Advantage Finance - AMFL Limited - ANZ Bank New Zealand Limited - ASB Bank Limited - Avanti Finance Limited - Bank of China (New Zealand) Limited - ASAP Finance - Basecorp Finance - Bright Enterprise Holdings - Liberty Financial Limited - Conrad Funds Mana…” — Tony Mounce Mortgages 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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“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 - 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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“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
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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 Unity Credit Union products, this list narrows your choice to 24 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 Unity Credit Union — 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='Unity Credit Union')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.