How do mortgage broker commissions work in New Zealand?
Ever wondered who actually pays a mortgage broker and when? We pull back the curtain on broker commissions, client fees, and the real incentives that shape mortgage advice in New Zealand. From first home buyers to developers and self-builds, we explain the money flows in plain language so you can make smarter choices without second-guessing the fine print.
We start with the basics: for standard home loans, the bank pays the broker after settlement, which means most clients don’t pay us a fee. Then we get honest about the exceptions—fast flips, second-tier lenders with no commission, and…
The skinny
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