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Our Goal: To Help You

by on 7 March 2024

One of our goals at Good Returns is to continuously evolve our news and comment so it can best help advisers. Here are some new features we are adding. More »

OPINION: Wholesale investor regime no loophole

by Jude Pereira on 4 December 2020

Paua Wealth chief risk officer Jude Pereira says the wholesale investor regime is not a “loophole” as some in the media have suggested. More »

[The Wrap] Promoting the value of advice

by on 24 July 2020

It was somewhat of a surprise to read a piece this week about one of the industry leaders talking about her own financial advice journey. More »

Product commission – Is it justified?

by Brian Klee on 22 February 2019

Should you be concerned about commission when arranging your insurance? With recent media commentary following the Reserve Bank and Financial Markets Authority paper, the way in which insurers remunerate or incentivise their staff and advisers has been raised around industry’s culture and conduct. More »

[The Wrap]

by on 18 January 2019

For those of you back on deck, welcome back. 2019 will, I think I can boldly predict, be an interesting year with many challenges for the financial services industry. More »

[The Wrap] Gotta love disruption; New life for old war horse; What we weren't meant to tell you about

by Philip Macalister on 27 July 2018

There's been a theme of disruption to financial services this week, and it's one worth keeping an eye on. While new ways of doing things have been in the news, so to is the future of an old warhorse. And of course the week wouldn't be complete without more discussion on the proposed new code of conduct for financial advisers. More »

[Opinion] The future of advice is at risk

by Philip Macalister on 23 April 2018

In my 30-odd years covering this financial services I don't think there has ever been a more important time for the future than right now. More »

[Opinion] Four simple steps to a new code

by SiFA on 3 April 2018

Lest anyone think we are always negative, the Board of SIFA wants to put forward a simple alternative framework for the Code development. It merges a submission SIFA has made to the Select Committee on FSLAB with a proposal we had made earlier at a Stakeholder Engagement Group meeting in Wellington. More »

[Opinion] Serious concerns over Code Working Group behaviour

by Philip Macalister on 26 March 2018

Advisers should be worried about what is happening with the Code Working Group. It's meant to be consulting with the industry but is trying to gag Good Returns and others. More »

Introducing Good Returns TV

by on 27 October 2017

In this little video Philip Macalister explains how you can use Good Returns TV to promote your products and services. More »

The start of a new era in financial planning

by on 3 August 2017

The creation of Financial Advice New Zealand today is being hailed as the start of a new era in financial planning.  More »

Robo exemption a win for big providers

by on 31 July 2017

Former FMA senior solicitor Simon Papa considers plans to allow roboadvice ahead of the law changes. More »

The key ingredient for success

by Philip Macalister on 18 April 2017

After more than 25 years of working with, and observing, membership organisations there is one major factor which determines the success or failure of the association. More »

Let's get these adviser rules right

by Philip Macalister on 14 March 2017

It's been a couple of weeks since the Exposure Draft of the proposed new financial adviser legislation was released and something funny has happened. Lots of people in the financial advice sector agree on things. More »

MBIE missed the mark

by on 3 March 2017

Andrew Gunn asks: Why are we okay with the idea of an unqualified workforce? More »

NZ needs clearer fintech strategy

by on 2 February 2017

We are falling behind internationally, argues Simon Papa. More »

Back to the novel for holiday reading

by Philip Macalister on 2 December 2016

I thought every financial advisers’ holiday reading this summer would be a copy of the Exposure Draft of the revised Financial Advisers Act. More »

Robo not just for investment

by on 9 November 2016

Changes to law and technology pose a substantial threat to traditional risk insurance advisers - an effective response mean embracing substantial, rapid and sometimes difficult change, writes lawyer Simon Papa, who was formerly a senior solicitor at the FMA. More »

Advisers tackle client-first question

by on 28 October 2016

A very useful session of industry commentators was held last week at a forum initiated by the IFA and PAA on the contentious subject of “putting the interests of the client first” versus “acting in the best interests of the client”, writes IFA chief executive Fred Dodds. More »

How the west was(n't) won

by on 10 September 2016

More »

What are your big questions about insurance?

by on 17 August 2016

ASSET Magazine will, tomorrow, be running its Life Insurance Round Table session. We would like to offer you the chance to submit your questions for the panelists. More »

[OPINION] Proposed two-tier system has major flaws

by Andrew Gunn on 19 July 2016

IFA Manager, Member Learning & Development Andrew Gunn says the FAA proposals have some laudable aspirations however it has a major loophole which benefits QFEs. More »

A little competition to end the week

by on 1 July 2016

A little competition to clearly see what Financial Advice New Zealand is all about and what you are not allowed to call the proposed new body. More »

Nice 5th birthday present for Partners Life

by Philip Macalister on 31 May 2016

Partners Life has just been given a cheque for its fifth birthday and it's a pretty big one  - $200 million. More »

Battle lines clearly drawn

by on 26 April 2016

Players in the financial advisory industry have revealed their hands in their submissions on the Financial Advisers Act Review Options Paper.  More »

Share sale may help Kiwibank get back market share

by Philip Macalister on 9 April 2016

Much of the discussion around the sale of 45% of Kiwibank to the NZ Super Fund and Accident Compensation Corporation has been around politics and this of state asset sales. This post is about what it means for Kiwibank why the deal is probably a good idea. More »

Where are the RFAs?

by Susan Edmunds on 15 March 2016

There’s a common piece of advice that gets handed around to people who write news stories or blogs online: Don’t read the comments. But in this case, especially if you are an RFA you should read them. More »

FSC collapse spectacularly bad timing

by Susan Edmunds on 29 February 2016

Could the Financial Services Council have picked a worse time to fall apart? More »

MORE »

News Bites
Latest Comments
  • The good guys get told off
    “Very prudent points as always @JohnMilner. Whilst I don’t disagree with the process, I question any advantages from the...”
    3 days ago by Pragmatic
  • [The Wrap] The year that was - and what may happen next year
    “Hope you have a good recovery Phil. Interesting points 1.Box ticking already happening with SOA 's that look identical...”
    4 days ago by Very Frustrated Adviser
  • [The Wrap] The year that was - and what may happen next year
    “Nice summary Phil. In short: . Consumers will expect more from the industry for less . Advisers will be increasingly time...”
    4 days ago by Pragmatic
  • The good guys get told off
    “I can't quite reconcile the rationale, or lack thereof, with the comments so far. Pathfinder were found to have made misleading...”
    7 days ago by John Milner
  • The good guys get told off
    “As a follow on to this conversation: I'm assuming that the Regulator will be consistent by 'naming and shaming' the other...”
    7 days ago by Pragmatic
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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA - Back My Build 4.94 - - -
AIA - Go Home Loans 7.49 5.79 5.49 5.59
ANZ 7.39 6.39 6.19 6.19
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - 5.79 5.59 5.59
ASB Bank 7.39 5.79 5.49 5.59
ASB Better Homes Top Up - - - 1.00
Avanti Finance 7.90 - - -
Basecorp Finance 8.35 - - -
BNZ - Classic - 5.99 5.69 5.69
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 7.54 - - -
BNZ - Rapid Repay 7.54 - - -
BNZ - Std 7.44 5.79 5.59 5.69
BNZ - TotalMoney 7.54 - - -
CFML 321 Loans 5.80 - - -
CFML Home Loans 6.25 - - -
CFML Prime Loans 7.85 - - -
CFML Standard Loans 8.80 - - -
China Construction Bank - 7.09 6.75 6.49
China Construction Bank Special - - - -
Co-operative Bank - First Home Special - 5.69 - -
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 6.95 5.79 5.59 5.69
Co-operative Bank - Standard 6.95 6.29 6.09 6.19
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.99 5.89 -
First Credit Union Standard 7.69 6.69 6.39 -
Heartland Bank - Online 6.99 5.49 5.39 5.45
Heartland Bank - Reverse Mortgage - - - -
Heretaunga Building Society 8.15 6.50 6.30 -
ICBC 7.49 5.79 5.59 5.59
Kainga Ora 7.39 5.79 5.59 5.69
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 7.25 6.69 6.49 6.49
Kiwibank - Offset 7.25 - - -
Kiwibank Special 7.25 5.79 5.59 5.69
Liberty 8.59 8.69 8.79 8.94
Nelson Building Society 7.94 5.75 5.99 -
Pepper Money Advantage 10.49 - - -
Pepper Money Easy 8.69 - - -
Pepper Money Essential 8.29 - - -
SBS Bank 7.49 6.95 6.29 6.29
SBS Bank Special - 5.89 5.49 5.69
SBS Construction lending for FHB - - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 4.94 4.89 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 9.39 - - -
TSB Bank 8.19 6.49 6.39 6.39
TSB Special 7.39 5.69 5.59 5.59
Unity 7.64 5.79 5.55 -
Unity First Home Buyer special - 5.49 - -
Wairarapa Building Society 7.70 5.95 5.75 -
Westpac 7.39 6.39 6.09 6.19
Westpac Choices Everyday 7.49 - - -
Westpac Offset 7.39 - - -
Lender Flt 1yr 2yr 3yr
Westpac Special - 5.79 5.49 5.59
Median 7.49 5.79 5.69 5.69

Last updated: 23 December 2024 5:49pm

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