In a world of comparison sites and online applications, it can be tempting to manage your insurance and mortgage on your own. But when it comes to protecting your future or buying your biggest asset, there’s one thing that makes a real difference: personalised advice from someone who genuinely understands your needs.
The use of mortgage brokers in New Zealand has seen a significant increase over recent years. For instance, ANZ New Zealand reported that 61% of its home loan flow in the half-year to March 2024 was introduced by brokers, up from 41% in March 2019. Similarly, Westpac’s broker-introduced home loan flow is estimated to be around 61%, and Kiwibank’s at approximately 62.5% .interest.co.nz
Working with a trusted adviser — like the team at Penberthy — can give you greater peace of mind and less stress.
Tailored Advice, Not One-Size-Fits-All
Online tools can give you options — but they can’t give you insight. A trusted adviser takes the time to understand your situation, your goals, and your risk profile. Whether it’s choosing the right insurance cover or structuring your home loan, you get advice that fits you — not a generic template.
Expertise That Saves You Time (and Mistakes)
From navigating the fine print in policies to understanding lender criteria, a trusted adviser knows the details that matter. That means fewer headaches, faster decisions, and better protection against the unexpected. It’s not just about what you get — it’s about what you avoid.
Advocates When You Need It Most
Claim time or loan approval stress? You’re not alone. A Penberthy adviser acts as your advocate — whether you’re dealing with an insurer, bank, or third party. At Penberthy, we pride ourselves on fighting for our clients’ best interests and seeing things through, especially when others won’t.
Ongoing Support, Not Just a One-Off Transaction
Life changes — and so should your insurance and mortgage arrangements. A good adviser keeps an eye on your policies and lending as your circumstances evolve. From yearly reviews to proactive advice, we stay in touch so you’re always one step ahead.
One Relationship. Multiple Solutions.
At Penberthy we are here to share our advice and expertise around tailored solutions for your business and personal insurance, lending, and your KiwiSaver Investments (through our partnership with Kōura Wealth).
Because of our broad scope of offerings you can benefit from a more joined-up strategy for your protection and financial well-being across all aspects of your life, every step of the way.
The Bottom Line?
Having a trusted adviser isn’t just about convenience — it’s about confidence.
Confidence that your cover is right.
Confidence that your mortgage is working for you.
And confidence that someone has your back, no matter what life throws your way.
Want to talk to a real person about your insurance or mortgage needs?
We’d love to help.
Disclaimer: The information in this article is for general purposes only and doesn’t constitute financial, legal, or professional advice. Please consult one of our financial advisers or brokers for advice tailored to your specific situation.
