Mortgage Adviser (2+ Years Experience)

Looking for Mortgage Adviser with 2+ Years Experience

Carrot Wealth | [Auckland] | [Full-time] [Office + WFH Flexibility]

About Us

Carrot Wealth exists to make financial advice accessible, practical and genuinely valuable for everyday Kiwis, not just the wealthy.

Since 2019, we’ve helped thousands of New Zealanders improve their KiwiSaver outcomes, protect their income and work through claims with confidence. We build long-term client relationships and give advice that people actually use.

The Opportunity

We’re launching our lending division and want an experienced mortgage adviser to build it with us.

We have 10,000+ existing KiwiSaver and insurance clients. We’ve never offered them mortgage advice. This is a fully untapped book, and our appointment-setting team will book those clients in to see you.

This role suits an adviser who wants to spend their time advising and writing business, not prospecting.

What Makes This Role Different

• An existing client base that already knows, likes and trusts us
• Meetings booked into your diary by our internal setting team
• Ongoing lead flow from our KiwiSaver and insurance advisers
• First home buyer, refinance and refix opportunities across the whole book
• A clear pathway into leadership, coaching new-to-industry advisers and earning on team results

What You’ll Be Doing

• Meeting pre-booked clients (in person, phone and online)
• Assessing client positions and recommending suitable lending solutions
• Preparing and submitting applications through to settlement
• Managing refix and refinance reviews
• Working alongside our KiwiSaver and insurance advisers
• Over time, training and coaching new advisers into the lending team

What We’re Looking For

• 2+ years’ experience as a mortgage adviser in New Zealand
• Level 5 NZ Certificate in Financial Services (Residential Property Lending strand)
• A proven record of submissions and settlements
• Strong drive and a preference for volume of booked meetings over hunting for leads
• High ethical standards and a client-first mindset
• Interest in leadership and developing others

Remuneration

• Full commission model (highest earning potential)
• Uncapped commission, plus team-based earnings for those who move into leadership

Why Join Carrot

• A warm, untapped client book
• Meetings booked for you
• Admin and operational support
• Strong brand presence in the KiwiSaver market
• A real pathway to leadership, with earnings tied to your team’s results

Apply Now

Send your CV and a short cover letter to: jordan@carrot.co.nz

Include:

• Your lending experience and typical monthly volumes
• Your current aggregator
• Openness to full uncapped commission
• Why this role fits your long-term goals