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Articles tagged with 'Opinion'

[The Wrap] The end of bank VIO is good for advisers, but are you ready?

7 December 2018 - It was good to see that one bank has realised the vertically integrated model around, what I’ll broadly call wealth management, is unsustainable.

[The Wrap] Reality check for copy-pasters

30 November 2018 - The most commented on story on Good Returns this week was a real eye-opener, here's why.

Bank says mortgage advisers should be fee-for-service

23 November 2018 - Another week, another major ripple from across the Tasman. Australia’s Royal Commission produced another controversy this week as Matt Comyn, chief...

Rates limbo; Are you happy with getting Level 5?

16 November 2018 - We've been a little quiet with our weekly TMM newsletters so thought it was time to get them going again. Here's a wrap of last week's news and some thoughts on what's happening in the market.

[The Wrap] Once FSLAB's laid new game starts

14 September 2018 - The new game for financial advisers is getting closer by the week and don't be surprised if the Financial Services Legislation Amendment Bill (FSLAB) becomes law before too long. It was interesting this week watching MPs debate the bill and which ones knew what they were talking about. When the law does get passed don't be surprised to see a bit of a land grab by dealer groups.

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

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.

[The Wrap] Next round for CWG; Hat tip to group of AFAs; At least sunlight on QFEs

20 July 2018 - It's been a big week with revelations around the practices of QFEs when it comes to replacement business, release of submissions to the Code Working Group and of course a band of AFAs standing up on KiwiSaver. Here's our take on things.

Did the Australian Royal Commission change everything? Or had everything changed already?

9 July 2018 - Long-run changes have a habit of creeping up on us. Gradually, society changes, but we pin the ‘big change’ on one emblematic moment.

Going digital for adviser businesses

25 June 2018 - There might be something to this internet thing...

Questions of Conduct: when does good conduct become financial advice?

11 June 2018 - Russell Hutchinson shares how bad conduct affects customers. 

Scope versus advice

26 April 2018 - People who articulate a solution are often really articulating a problem they want to solve.

[Opinion] The future of advice is at risk

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.

RBNZ changes its mind on LVRs

20 April 2018 - This may come as a surprise to many of us, but the Reserve Bank is now saying LVR restrictions are permanent and not temporary. However, if there is a plus it's that since the slight LVR easing earlier this year investor lending has picked up.

[Opinion] RFAs missing in action

18 April 2018 - The lack of RFAs at the recent Code Working Group roadshows should be a big concern for advisers.

The Wrap: Unofficial QSMs; Formal CWG complaint lodged: Will anyone follow AMP?

6 April 2018 - It may have been another short week, but that didn't stop it from being one with plenty of heat and action for financial advisers. Here's our take on what's happened.

[Opinion] Serious concerns over Code Working Group behaviour

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.

Adding revenue streams to your business

8 December 2017 - This week we have seen a little movement in home loan rates, but we would have to stress it is only little. With the Reserve Bank loosening, ever so slightly, its LVR restrictions it will be interesting to see if that generates a little more activity from lenders.

The Wrap: Has FSC launched a pre-emptive strike on the new adviser association?

10 November 2017 - A question on our minds this week is this: Has the Financial Services Council (FSC) launched a pre-emptive strike on the new Financial Advice New Zealand association?

A bank's view on mortgage advisers

9 November 2017 - It's been a big week of news with the OCR and MPS today, plans to change the Reserve Bank's policy targets and of course Westpac's results.

The importance of mortgage advice

3 November 2017 - A theme this week is how important the mortgage advice channel is becoming in the distribution of home loans.

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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.79 4.55 4.79 4.99
ANZ Special - 4.05 4.29 4.49
ASB Bank 5.80 4.44 4.69 4.89
ASB Bank Special - 3.95 4.29 4.49
BNZ - Mortgage One 6.50 - - -
BNZ - Rapid Repay 5.95 - - -
BNZ - Special - 4.10 4.29 4.49
BNZ - Std, FlyBuys 5.90 4.69 4.79 4.99
BNZ - TotalMoney 5.90 - - -
Credit Union Auckland 6.70 - - -
Credit Union Baywide 6.15 5.20 5.25 -
Lender Flt 1yr 2yr 3yr
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 - - -
Heartland 6.70 7.00 7.25 7.85
Heartland Bank - Online - - - -
Heretaunga Building Society 5.75 4.70 4.85 -
Housing NZ Corp 5.80 4.69 4.79 4.79
HSBC Premier 5.89 3.99 4.19 4.69
HSBC Premier LVR > 80% - 3.79 - -
HSBC Special - - - -
Lender Flt 1yr 2yr 3yr
ICBC 5.80 4.59 4.69 5.09
Kiwibank 5.80 4.55 4.69 4.99
Kiwibank - Capped - - - -
Kiwibank - Offset 5.80 - - -
Kiwibank Special - 4.05 4.29 4.49
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 6.10 5.10 5.45 -
Resimac 5.30 4.86 4.94 5.30
RESIMAC Special - - - -
SBS Bank 5.89 4.85 5.05 4.49
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 4.19 3.95 4.49
Sovereign 5.90 4.45 4.69 4.89
Sovereign Special - 3.95 4.29 4.49
The Co-operative Bank - Owner Occ 5.75 4.10 4.35 4.49
The Co-operative Bank - Standard 5.75 4.60 4.85 4.99
TSB Bank 5.80 4.45 4.69 4.99
TSB Special - 3.95 4.19 4.49
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.95 4.69 4.79 5.19
Westpac - Offset 5.95 - - -
Westpac Special - 4.15 4.29 4.59
Median 5.89 4.50 4.69 4.79

Last updated: 2 December 2018 8:39pm

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The maximum remuneration model for Australian life insurance advisers is to be set at what?

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Upfront 60% + trail 20%

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