How much do mortgage advisers earn in New Zealand?
Mortgage advisers (mortgage brokers) in New Zealand are advertised at $130,000–$150,000 a year (middle 50% of SEEK job ads, October 2026). The government's Tahatū career service puts the most common pay across all levels at $64,000–$134,000, and many advisers are paid partly by commission.
Sources: SEEK: Mortgage Broker salary in NZ (October 2026), Tahatū Career Navigator: Mortgage broker. Figures checked 18 October 2026.
| Role / level | Salary range | Basis | Source |
|---|---|---|---|
| Mortgage adviser (mortgage broker) | $130,000–$150,000 | Advertised, national | [1] |
| Mortgage brokers (all levels) | $64,000–$134,000 | All levels, national | [2] |
| Mortgage / lending manager (bank) | $100,000–$140,000 | Base, Auckland | [3] |
| Loan officers (all levels) | $70,000–$102,000 | All levels, national | [4] |
Sources
- [1] SEEK: Mortgage Broker salary in NZ (October 2026), published October 2026. Checked 2026-10-18. Advertised salaries in SEEK job ads; range is the middle 50% (25th–75th percentile).
- [2] Tahatū Career Navigator: Mortgage broker, published undated (live page). Checked 2026-10-18. Government (TEC) estimate from Stats NZ and IRD data; range is the most common pay band across all experience levels.
- [3] Robert Walters Salary Guide 2026: Australia & New Zealand, published February 2026. Checked 2026-10-18. Permanent base salaries, excluding benefits and bonuses.
- [4] Tahatū Career Navigator: Loan officer, published undated (live page). Checked 2026-10-18. Government (TEC) estimate from Stats NZ and IRD data; range is the most common pay band across all experience levels.
Mortgage advisers are often paid partly or wholly by commission, so advertised salaries and income can differ widely.
What does the role involve?
Mortgage advisers (mortgage brokers) compare lenders' home loans for their clients and manage the application. They give regulated financial advice, so they must work for, or be, a licensed Financial Advice Provider and usually hold the New Zealand Certificate in Financial Services (Level 5).