Mortgage Advice, Coaching & Education to Help You Reach Mortgage and Financial Freedom…
The dream of working hard, buying a home, and retiring comfortably is no longer a reality for many New Zealanders.
Your wallet is getting squeezed from every side with inflation, mortgage rates, cost of food and other everyday expenses on the rise.
To make it worse, housing prices are so high, you have to secure a huge mortgage to use homeownership to build wealth for you and your family.
You feel helpless, but we’re here to show you there is hope.
Introducing the…
Over the last 12 years we’ve helped over 1200 Kiwi homeowners take control of their finances, eliminate their mortgage as their biggest financial roadblock and use equity to invest in property.
What this means is we know what works…and what doesn’t.
So, we put all that we’ve learned into a 03-step proven process that will help you reduce financial stress and increase financial confidence, so you can build the life of fulfilment that you want…and deserve.
Read about each step below.
Total Mortgage Interest Saved In Plans Provided
Total Of Mortgage Repayments Shaved In Plans Provided
Average Mortgage Interest Saved In Plans Provided
Average Of Mortgage Repayments Shaved In Plans Provided
We have 50+ years of combined experience and expertise within the Mortgage Advisory and Financial Coaching space, so you can ensure you’re in safe hands.
We’re an award-winning team, and are proud as punch about it! To view our awards we’ve received over the time we’ve been in business, check out our testimonials page.
We are someone with trusted opinions within the mortgage and financial space. To view the publications we’ve been featured in, check out our testimonials page.
We educate so we can fill your knowledge gaps around financial concepts and information as we know it wasn’t learnt in school, your parents didn’t teach you, and the banks won’t tell you.
You’ll always get the right tools so you can implement quickly and apply what you’ve learned to your own situation as soon as possible
We provide coaching and accountability to ensure you’re on the right track and that you don’t make any costly mistakes on your journey.
5 Star Rating On:
Without scrimping and scraping and pinching every penny!
Help With My New Mortgage
Buying your first home, next home or an investment property? A house is the biggest purchase most Kiwis will ever make. The right advice and guidance can save you thousands.
Help With My Exisiting Mortgage
Whether you’re looking to top up, refix, refinance or restructure your mortgage, our awesome team can help.
Paying Off My Mortgage Faster
Get guidance for how to get your finances ready to pay down your mortgage, create a foundation of financial health and build wealth with property.
Share your financial goals, dreams and desires with us and we’ll check that you’re financially prepared to take the next steps. If you’re not ready, you’ll learn what to do to get ready. Before moving forward, you’ll discover whether we’re the right fit and be confident that we can help you.
Whether you’re looking to pay off your mortgage faster, getting a new mortgage, or changing an exisiting mortgage, we’ll dive deeper into your financial situation. You’ll receive a customised plan and strategy to ensure you’re on track to achieving mortgage and financial freedom.
You’ll receive financial education, tools and support from our award-winning team to help you implement your personalised plan and strategy. You’ll receive mortgage advice that will significantly reduce your mortgage interest and help you pay off your mortgage in 7-10 years*
Our Financial Coaching & Education
No, they aren’t, but we have both! Mortgage advice is when you receive advice on mortgage products that is regulated by the Financial Markets Authority (FMA) and must be provided by a licensed mortgage adviser. Financial coaching and education are unregulated and does not need to be provided by a licensed mortgage adviser. When you receive financial coaching and education at Futurebound, you’ll increase your financial knowledge and get support to create and stick to your financial plans. When you’re ready to implement your plan, you’ll work with our mortgage advisers to choose the best mortgage products for your situation to help you reach your goals.
The Futurebound Academy is a 12-month membership programme designed to give you full access to all our financial coaching and education. You’ll get financial coaching and support to help you complete our signature Building Wealth With Property Jumpstarter online course. Plus, you’ll get access to all our mini-courses, in-person events, summits and everything that we do during your membership. Learn more about the Futurebound Academy here.
The simple answer is it depends. If you’re working with our mortgage advisers, the lender you secure your mortgage with usually pays for the service. However, sometimes lenders don’t cover all the costs of our mortgage advice service, so you might need to pay a portion of the service fees. Unfortunately, lenders don’t cover any of the cost of us supporting you with financial coaching and education. Therefore, all financial coaching and education will need to be covered by you. We have payment options for whatever you need to help keep all cost affordable.
Online Mortgage Brokers NZ Ltd (FSP769014, trading as Futurebound) is the Licensed Financial Advice Provider.
You can contact us at:
Futurebound
Postal address: 173 E Main Road, Tawa, Wellington 5028
Phone number: 04 555 1582
Email: info@futurebound.co.nz
Web address: futurebound.co.nz
Our Mortgage Advice
Here is some important information around our business, how we conduct ourselves, and what to do if you have an issue.
Futurebound is the trading name for Online Mortgage Brokers NZ Ltd (FSP769014) who holds a license issued by the Financial Markets Authority (FMA) to provide financial advice. Under the trading name Futurebound, services are provided including mortgage advice, debt reduction advice and budgeting advice.
Online Mortgage Brokers NZ Ltd provides mortgage, debt reduction and budgeting advice to our clients. Our related company Elias Services Ltd provides one-on-one and online course coaching to do with budgeting and debt reduction.
We provide financial advice about products from a large range of providers including ANZ, BNZ, Westpac, ASB, TSB, Sovereign, Co-op Bank, Avanti, Liberty, Resimac, NZCU, SBS, Bluestone and First Mortgage Trust.
We do not provide advice on insurance or investments but can refer for these services.
Any financial advice provided on our behalf will only take into account the information you have given us about your particular needs, financial situation or goals.
Most mortgage fees are covered by the bank, however there are some specific mortgage fees which aren’t covered. To find out if these fees apply to you, click here.
For mortgage lending, Futurebound and the financial adviser receive commissions from the lending companies that the lending was placed with. The amount of the commission is based on the amount of the loan. This can be between 0.55% and 0.85% of the loan amount. Some lenders (Sovereign, BNZ, Liberty, Resimac, Bluestone and Westpac) also pay an ongoing trail commission of 0.15%-0.20% of the loan balance.
To ensure that our financial advisers prioritise the client’s interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client’s goals and circumstances. All our financial advisers undergo annual training about how to manage conflicts of interest. We undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm.
If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means:
Company name: Online Mortgage Brokers NZ Ltd (FSP769014)
Attention: The Complaints Officer
Address: 41 Findlay Street, Tawa, Wellington
Telephone: 021 0264 7658
Email address: info@futurebound.co.nz
Website: https://www.futurebound.co.nz
When we receive a complaint, we will consider it following our internal complaints process:
If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.
We are a member of the Financial Dispute Resolution Services’ approved dispute resolution scheme. You can contact them at:
Company name: Financial Dispute Resolution Service
Address: Level 4, 142 Lambton Quay, Wellington 6011
Postal address: PO Box 2272, Wellington 6140
Telephone: 0800 337 337 (freephone if within New Zealand or +64 4 381 5091 (if calling outside New Zealand)
Email address: enquiries@fdrs.org.nz
Website: http://www.fdrs.org.nz
Our duties
Futurebound, and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:
give priority to your interests by taking all reasonable steps to make sure our advice isn’t materially influenced by our own interests
exercise care, diligence, and skill in providing you with advice
meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).
This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz
The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of-professional-conduct-for-financial-advice-services.pdf.
Here is some important information around our business, how we conduct ourselves, and what to do if you have an issue.
Buying property is a great way to begin to build wealth for you and your family, but depending on your financial situation, equity position, and the banks tightening their debt-to-income ratios, it may be a “no” from the banks when it comes to lending.
Asking for a raise right now might sound a little crazy. With government job cuts, unemployment on the rise, and economic uncertainty looming, the timing seems less than ideal. But here’s the truth: life isn’t getting any cheaper, and your hard work deserves to be recognized. While the thought of negotiating a salary increase in the middle of a cost of living crisis might feel intimidating, it’s not impossible. In fact, it could be the smartest move you make this year. In this article you’ll learn 08 ways on how to ask for a raise in the current market, and how to do it right.
For the first time in years, it’s a buyer's market in New Zealand and it’s never been a better time to buy for first home buyers. Yes, interest rates are still high, but house prices are the lowest they’ve been in years; still sitting at around 16% lower than when prices peaked in November 2021. Although the market is tough out there, sellers are motivated to sell, making it a great time for first home buyers (that’s you) looking to get a good deal on your first home.
