FAQs
Frequently asked questions
Do you give mortgage advice?
No. We're a matching service: we connect you with a licensed mortgage adviser, and they give you the advice.
Who are the advisers?
Licensed New Zealand mortgage advisers we've chosen to work with. Each one is a licensed financial adviser operating under a licensed firm, and they'll give you their own disclosure before you go ahead.
How are you paid?
Summit Mortgages may receive a referral fee from the adviser if you go ahead with them. It doesn't change what you pay, and your adviser will give you their own disclosure before you decide.
Does it cost me anything?
Most mortgage advisers in New Zealand are paid by the lender, so their service usually costs you nothing. Your adviser will confirm how they're paid before you go ahead.
What happens to my details?
We only pass your details to the one adviser we match you with, so they can get in touch. See our Privacy page for the full detail.
Read our Privacy policyCan I choose a different adviser?
Yes. Tell us and we'll re-match you with someone else, or you're free to go elsewhere entirely. There's no obligation to continue with any match.
Do I have to meet in person?
Usually not. Most advisers work by phone, video and email, and your adviser will let you know what suits your situation best.
What about KiwiSaver?
Not directly, but it's simple to arrange. Summit Wealth Limited, the same company that operates Summit Mortgages, is a licensed KiwiSaver adviser. Tick the KiwiSaver box when you get matched, or visit Summit Wealth directly.
Visit Summit WealthCan you help with KiwiSaver or insurance too?
Yes. Tick the KiwiSaver box when you get matched and Summit Wealth Limited, the same company behind Summit Mortgages, will be in touch about your KiwiSaver separately. Tick the Tower box and we'll include a Tower insurance quote link, though Summit Wealth Limited earns an ongoing commission from Tower on any policy bought through it.
Get matchedI'm a mortgage adviser, can I receive referrals?
Yes, we're always happy to hear from licensed mortgage advisers who want to receive warm, consented introductions.
See how referrals workHow long does matching take?
We aim to be in touch shortly after you submit the form, usually within one working day, with your adviser match.
What if my situation changes after I'm matched?
Just let your adviser know, or get back in touch with us. Nothing about a match locks you into anything.
Do you cover the whole country?
Yes. We match people right across New Zealand; many advisers work by phone and video, so your region doesn't limit who you can be matched with.