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Client conversations
What a good mortgage review looks like
A review is not a rate check. Here is the structure experienced advisers come back to most often.
· 1 min read
Join now and get $300 of credits for lead generation and training – yearly members who join by 31 December 2026See the yearly plan
For New Zealand mortgage advisers
Tools that bring you clients.Support that keeps them happy.
NZMAI gives mortgage advisers the tools, training and supplier offers to grow a profitable business. Register free for rates, the OCR and the adviser community. Join as a member for lower costs, better deals and free credits for leads and education.
Weekly market summary24 Oct 2026
Weekly market update – week ending 23 October 2026
Mortgage rates kept edging up this week ahead of the Reserve Bank's OCR review on 28 October, and more clients are choosing to fix rather than float.
Register free – no card needed
Free registration gives you:
- Today's interest rates and test rates from every lender
- OCR dates and the weekly market summary
- The adviser community and Ask Mia
Today: lowest 1-year rate 4.99% · Next OCR: 28 Oct 2026
Sound familiar?
Three things holding most advisers back – and how membership fixes them
01
The problem
Not enough new clients
You rely on referrals, and people searching for an adviser find someone else first.
The fix
Be found on Find a Mortgage Broker, turn website visitors into enquiries with CalcStudio, and pick up new client opportunities through ClientConnection.
02
The problem
Clients drift away after settlement
You go quiet, the refix comes round, and another adviser – or the bank – gets the business.
The fix
Stay in touch by email and text with ClientConnection and see who read what. Base IQ finds the refixes and next deals already sitting in your database.
03
The problem
Too much time and cost for the return
Subscriptions, compliance, CPD and running costs eat into what you take home.
The fix
Tools included in one fee, member offers from PB Tech, FSCL and Cotality plus introductions to other suppliers advisers use, courses with your PDP and CPD records, and today's rates and market news in one place.
How it all comes together
One membership. Everything working together.
Every part feeds the next. People find you, your calculators start the conversation, you win the client, and you keep them for the next deal. Tap any part of the circle to see what it does.
Free when you register
Everything you need to keep up, free for New Zealand mortgage advisers.
Interest rates and test rates
Compare every lender's published rates and test rates.
Lowest advertised today: 4.79% (6 months)
See today's ratesHelps with thisCalcStudioPut calculators on your website so clients can see what they could borrow.
OCR and the weekly market summary
Know what's moving before your clients ask.
Next OCR decision: 28 Oct 2026, 2:00pm
Read the weekly summariesHelps with thisClientConnectionTurn market news into client conversations.
Adviser community and Ask Mia
Ask other advisers. Mia finds answers from NZMAI's information.
See the communityHelps with thisCourseCademyCourses and your PDP and CPD registers in one place.
Find a Mortgage Broker listing (basic)
Be found by people searching for an adviser.
About Find a Mortgage BrokerHelps with thisFind a Mortgage BrokerUpgrade to Enhanced with yearly membership.
Tell us what else would help your business
More information? Easier access to data? Something missing? We have open ears, and it's at no cost to you.
Join NZMAI: lower costs, better deals, free credits
Lower costs
CalcStudio Professional and an Enhanced listing included (yearly).
Better deals
PB Tech purchasing programme, FSCL group rate, Cotality member offer, and introductions to suppliers advisers use.
Free credits
Founding member bonus: $100 ClientConnection lead credit and $200 CourseCademy credit for yearly members who join by 31 December 2026.
Eight ways membership grows your business
Get found
An Enhanced listing puts you in front of people searching for an adviser near them.
Find a Mortgage Broker Enhanced · yearly members
Turn visitors into enquiries
Calculators on your website and social posts answer people's questions and capture their details.
CalcStudio Professional · yearly members
Win new clients
Client opportunities from people looking for help with their mortgage.
ClientConnection · founding member bonus credit
Find the next deal in your database
Spot the refixes and next deals sitting in the clients you already have.
Base IQ · talk to us
Know more than the next adviser
Practical courses for advisers, with your PDP and CPD records in one place.
CourseCademy · founding member bonus credit
The right suppliers, introduced
Member offers from PB Tech, FSCL and Cotality, plus introductions to other suppliers advisers use.
Support services
Never work it out alone
Today's rates, the weekly market summary, a private adviser community and Ask NZMAI.
Your member area
Learn what's working for other advisers
Live business webinars on finding clients, converting enquiries and running a more profitable business.
Adviser Success Sessions · coming soon
All of this, one membership
For less than half a coffee a day, you get found by people looking for an adviser, turn website visitors into enquiries, win new clients, and pay less for the suppliers you already use. One extra client a year pays for it many times over.
- Get found and win more clients
- Better deals from suppliers you already use
- Training, tools and support in one place
$990 + GST a year, or $99 + GST a month
That's about $2.71 a day + GST on the yearly plan – less than half the price of a flat white.
Join now and get $300 of credits for lead generation and training – join yearly by 31 December 2026.
Your website, working for you
Nobody wants a calculator. They want an answer.
‘How much can I borrow?’ ‘Could I pay less?’ Put CalcStudio calculators on your website and social posts. Your visitor answers a few quick questions and gets their answer. You get their details – and a reason to call.
CalcStudio Professional is included in yearly membership.
About $1,645 of value a year for $990 + GST
Most members cover the cost with one extra deal a year.
See the full breakdownFree account, monthly or yearly
See what each one includes. Prices exclude GST.
| What you get | Free accountFree | Monthly$99 + GSTa month | Best valueYearly$990 + GSTa year |
|---|---|---|---|
| Interest rates and test rates | |||
| OCR and weekly market summary | |||
| Adviser community and Ask Mia | |||
| Introductions to suppliers | |||
| Cotality member offer | |||
| CalcStudio Professional | |||
| Enhanced Find a Mortgage Broker listing | |||
| PB Tech purchasing programme key | |||
| FSCL group rate | |||
| Founding member credits ($300) | |||
| Register free | Join monthly | Join yearly |
Inside the members area
What you see when you log in
- Example
Your credits
- ClientConnection lead credit
- $100
- CourseCademy credit
- $200
- Example
Your member offers
- PB Tech keyYearly members
- FSCL group rate
- Cotality member offer
- Example
Your set-up checklist
- CalcStudio Professional – set up by NZMAI
- Enhanced listing – set up by NZMAI
- PB Tech key added to your account
- Ask your first community question
- Example
The community
Questions from other advisers, with answers from advisers and our team.
Today's rates
- 6 months
- 4.79%
- 1 year
- 4.99%
- 2 years
- 5.29%
Lowest advertised, with every lender's rates and test rates behind it.
Weekly market summary
Weekly market update – week ending 23 October 2026
Is it for me?
“I'm already busy.”
Then you need tools that bring clients to you, not more cold calls.
“I already have a website.”
Good. Now make it work – calculators turn visitors into enquiries.
“I'm new to the industry.”
Get found, get trained and get support from day one.
“I'm with a FAP or aggregator.”
NZMAI works alongside them. It's yours, and it goes where you go.
Partners and supporters of NZMAI
- Mr MentorAustralia
- Success & BrokerAustralia
Industry providers
Row two lists tools advisers use; no endorsement or arrangement implied.
Latest from the blog
All articlesGrowing your business
Getting value from the database you already have
Most advice businesses hold more opportunity than they realise. The difficulty is knowing what is usable.
· 1 min read
New advisers
Starting out in mortgage advice
What the first year tends to look like, and the support available to people entering the profession.
· 1 min read
Could you pay less on your mortgage, or borrow more? Try our free calculators
Do you have an adviser, or want to find a local one? Find a Mortgage Broker (opens in a new tab)
General information only, not financial advice.
Questions
Who can join?
Mortgage advisers in New Zealand, including people new to the industry. You create your NZMAI account as you join, and it is ready as soon as you have confirmed your email address.
What happens after I pay?
Your membership starts as soon as your payment goes through. Your welcome email explains how to use each part of it. Yearly members: We set up your CalcStudio Professional and Enhanced listing for you and email your access within one business day – please don't sign up on those sites yourself. Want us to put the calculators on your website as well? We can do that for $95 + GST – talk to us.
Can I cancel?
Monthly membership can be cancelled with 30 days' notice. Yearly membership is not refundable, but you can turn off automatic renewal in your account at any time so it ends at the end of the year you paid for.
Is ClientConnection included?
Not ClientConnection itself: it is provided by Riverhorse Technologies Limited under its own terms, sets its own prices and has its own login. While the founding member offer is on, yearly members who join also get a $100 ClientConnection lead credit (use within 6 months, no cash value), added by NZMAI staff.
Are prices shown with GST?
Prices are shown excluding GST. GST at 15% is added when you pay.
All prices are shown excluding GST. GST at 15% is added when you pay.