Buying a home or securing adequate insurance can feel like trying to navigate a maze — interest rates, policy terms, hidden fees, regulatory changes. For many Aucklanders, the question isn’t if they’ll need advice but who to trust. Enter Oliver Broomfield Mortgage & Insurance , an adviser deeply rooted in North Shore Auckland who offers personalized, expert guidance. In this article, we’ll explore what makes his approach effective, how he serves his clients, and why his model resonates in a dynamic NZ market.
The Adviser Behind the Name
Oliver Broomfield brings more than two decades of experience as a mortgage broker and financial adviser. He’s a member of Financial Advice NZ, which adds to his credentials and transparency.
His background covers:
- First home buyers and existing homeowners
- Investors, rental properties, self-employed clients
- Construction, renovation, refinancing
- Insurance advising (life, income protection, property)
Because he combines mortgages and insurance, his service is holistic — not just finding you a loan, but helping protect your asset, income and future.
What Makes His Approach Different
Local Market Knowledge
Operating from Takapuna and servicing the North Shore and Auckland region, Oliver understands local factors — suburbs, lenders active in the region, property trends, regulatory changes. That gives his clients an advantage: recommendations aren’t generic, but tailored to their area and situation.
Broad Lending & Insurance Network
He does not limit himself to one bank. Instead, Oliver works with mainstream NZ banks, Australian banks, non-bank lenders, and specialist lenders. On the insurance side, he offers life, income protection, trauma, and property insurance — all through advice. This breadth lets him mix and match options to suit unique financial profiles.
Client-First Philosophy
From his website we learn that he places high value on clear communication, demystifying jargon, and keeping clients informed.
In one interview he said:
“The media should be encouraging potential clients… to see brokers one to two years before they want to purchase so that they are ready to go.”
That shows he takes a proactive, long-term viewpoint rather than just reacting to the purchase moment.
How the Process Works (Step-by-Step)
- Initial consultation — Understand goals, financial position, timeframes.
- Tailored advice — A proposal of suitable mortgage / insurance options based on your circumstances (income, deposit, risk, property type).
- Lender & policy negotiation — Oliver works on your behalf to present your case, negotiate terms and reduce friction.
- Implementation — Once you select a product, he assists through the paperwork, lender/insurer liaison, and settlement.
- Ongoing support — After settlement, he remains available for refinancing reviews, policy reviews, term changes and life-event updates.
Because the adviser stays involved beyond the “once-off” transaction, clients benefit from continuity and adaptability.
Real-World Impact for Clients
Here are typical client scenarios where Oliver adds value:
- First home buyer on Auckland’s North Shore: Helps clarify how much they can borrow, identify deposit/permitting issues, choose a loan structure (fixed vs variable) and advice on insurance (mortgage protection + home contents).
- Self-employed borrower: Many lenders scrutinise self-employed income heavily. Oliver helps identify lenders who accept alternative income documentation, packages the application and coaches the client.
- Investor property purchase: He compares loan terms, interest rates, tax implications (interest deductibility, rental risk) and assists with insurance cover for property and landlord risk.
- Insurance review: For an existing homeowner, he audits current policies, checks policy wordings, and may recommend changes (e.g., adding income protection, evaluating premium vs cover trade-off).
These examples show the blend of mortgage and insurance advice, which is more effective than engaging two separate advisers who may not coordinate.
Why This Service Matters in Today’s Market
The NZ property and financial environment has some distinct pressures:
- Rising interest rates / rate volatility
- Stricter credit conditions and deposit requirements
- Construction loans and build-to-rent projects becoming more common
- Insurance premiums rising due to climate risks and regulatory change
- Many borrowers lacking time or expertise to research complex products
In this context, an adviser who stays current and coordinates both debt (mortgages) and risk (insurance) stands out. Oliver’s journey reflects this: he moved from a corporate finance role, took over a Mike Pero franchise, and then launched his independent brand to provide more personalised service.
Key Takeaways for Homeowners & Buyers
- Choosing the right mortgage or insurance isn’t just about the lowest rate—it’s about matching your personal situation (income, borrowing ability, risk profile, future plans).
- Work with someone who knows your local market and lives in your environment, not just national generic advice.
- A combined adviser (mortgage + insurance) often gives better outcomes, because your protection and your finance are aligned.
- Getting advice early (1-2 years out from purchase) gives you preparation time, better options and less stress.
- Ongoing review is important — when life changes, financial tools should too.
Conclusion
Navigating mortgages and insurance in Auckland isn’t easy—but you don’t have to go it alone. By choosing an adviser who combines deep local knowledge, a broad product network, and a client-centred approach, you tilt the odds in your favor. Oliver Broomfield Mortgage & Insurance exemplifies that model. If you’re planning to buy, invest or protect your assets, working with someone like this can help you move from confusion to clarity, from risk to stability.
If you’re ready to take the next step, consider reaching out early, get informed, and build your financial foundation the right way.