Our Story and Team

Diamond Financials Limited is a mortgage and protection advisory working out of Papakura, South Auckland, and lending right across New Zealand. We are licensed by the Financial Markets Authority to provide financial advice services, under Financial Service Provider number 1009405.

The firm exists because of a gap most people meet only once they are already in it. A bank can offer you what a bank has. It cannot tell you that the lender two doors down reads self-employed income differently, that your fixed rate is worth renegotiating thirty to sixty days before it rolls, or that the way your loan is split will decide whether you finish it five years early or five years late.

So we sit on the other side of the desk. We take the whole picture — income, debt, deposit, timing, what you are actually trying to do — to a panel of more than twenty-five lenders, from the main banks through to non-bank and specialist funders, and come back with the structure that costs you least over the life of the loan rather than the rate that looks best this week.

Protection is the quieter half of the same job. A loan is only ever as secure as the income paying it, so we size life, trauma, income protection and health cover against the debt itself — enough to matter, and not so much that it becomes the first thing you cancel.

On standard residential lending you pay us nothing; the lender pays us on settlement, and where a fee could ever apply you are told the number in writing before any work starts. We are bound by the duties in the Financial Markets Conduct Act, we run an independent compliance review every year, and if we ever get it wrong, Financial Services Complaints Limited will hear you for free.

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