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0800 20 20 11

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Home Loan Quote

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Do I have to pay to use a adviser?

There are a lot of misconceptions that mortgage advisers charge hefty fees. Generally this is not the case. Typically a mortgage adviser will be paid by the lender (ie no additional cost to you) in the following way:

Mortgage advisers are paid an upfront commission and a trail payment:


  • UPFRONT PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. A one-off payment called an upfront commission is usually between 0.55% and 0.85% of the value of the mortgage. We do all the legwork to get your loan approved.

  • TRAIL PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. ‘trail’ or ongoing commission is usually 0.15% and 0.20% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.

Let’s talk

Ready to take the next step?

We’re here to make the whole process easier, so if you have any questions please give us a call!

Company informations

Fair Advice NZ

3 Springside Drive
Flatbush, Auckland 2019

Contact details

E-mail address:
[email protected]

0800 20 20 11

Opening Hours:
Monday- Friday 9:00am – 7:00pm
Saturday 10:00am – 4:00pm