Talking about money with your partner, family, or friends can feel extremely awkward and uncomfortable, but let’s face it... money makes the world go 'round. It’s something we all have to manage, no matter how much we’d rather avoid the topic. It can be worthwhile getting loved one’s advice, as they may know a lot more than you on a particular money-related topic!
Helping Kiwi Homeowners Take Control of Their Future
Mortgage Advice, Coaching & Education to Help You Reach Mortgage and Financial Freedom…
Download Our FREE Ebook to Reduce Home Loan Interest at Refix Time
Discover 04 simple, yet powerful ways to reduce your mortgage interest when your fixed rate is expiring
- We respect your privacy. Your data will not be shared or sold.
- We respect your privacy. Your data will not be shared or sold.
Is your mortgage sucking up all your hard-earned money?
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…
The Futurebound 03-Step Process
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.
$28,754,800
Total Mortgage Interest Saved In Plans Provided
1,495
Total Years Shaved Off Mortgage Repayments In Plans Provided
$254,467
Average Mortgage Interest Saved In Plans Provided
13.2
Average Years Shaved Off Mortgage Repayments In Plans Provided
Why Work With Futurebound?
Years of Expertise
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.
Award-winning Team
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.
Thought Leader
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.
Tips
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.
Tools
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
Support
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.
What Our Clients Say
With our team you’ll have the expertise on your side to help you reach your financial goals.
Don’t take our word for it. Here’s what our clients say:
Don’t take our word for it. Here’s what our clients say:
5 Star Rating On:
What if your mortgage wasn't the biggest financial headache you had?
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.
Reaching mortgage & financial freedom with Futurebound is as easy as…
Initial Chat
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.
Plan & Strategy
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.
Implementation
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*
Frequently Asked Questions & Important Information
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:
- We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
- We aim to resolve complaints within 10 working days of receiving them. If we can’t, we will contact you within that time to let you know we need more time to consider your complaint.
- We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
- If we can’t resolve your complaint, or you aren’t satisfied with the way we propose to do so, you can contact Financial Dispute Resolution Service.
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 Services Complaints Limited – a Financial Ombudsman Service. You can contact them at:
Company name:Financial Services Complaints Limited
Postal address: FSCL, PO Box 5967, Wellington 6140
Telephone: 0800 347 257
Email address: complaints@fscl.org.nz
Website: www.fscl.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.
Our Latest Articles
Here is some important information around our business, how we conduct ourselves, and what to do if you have an issue.
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Download Our FREE Ebook to Reduce Home Loan Interest at Refix Time
Discover 04 simple, yet powerful ways to reduce your mortgage interest when your fixed rate is expiring
- We respect your privacy. Your data will not be shared or sold.
- We respect your privacy. Your data will not be shared or sold.