Gareth Veale of GV Financial Services is a Christchurch-based financial adviser helping New Zealanders achieve home ownership and financial independence. Gareth has access to New Zealand's main banks and a wide range of other financial institutions, and services clients throughout the country from his Addington base.
Gareth takes a holistic approach to advice, covering home lending, personal risk insurance, and how to make the most of investment vehicles like KiwiSaver. He's supported by a small team: Adelyne Patrick as Insurance Associate and Samantha Gray as Mortgage Associate. GV Financial Services Limited is licensed by the Financial Markets Authority as a Financial Advice Provider (FSP1008660).
In most circumstances, advice from GV Financial Services is free to the client, funded instead by commission from the banks, insurers and other product providers involved. The firm works with a broad panel of lenders, insurers and KiwiSaver providers, including major banks and specialist non-bank lenders for clients whose circumstances don't fit mainstream bank policies.
Gareth Veale of GV Financial Services is a financial adviser based in Addington, Christchurch, helping Kiwis up and down the country work toward home ownership and financial independence. While based in Christchurch, Gareth services clients throughout New Zealand, with access to the country's main banks as well as a wide range of other financial institutions.
Gareth's approach to advice goes beyond simply arranging a loan. He also helps ensure clients have the right personal risk insurance settings in place, drawing on access to New Zealand's top personal risk insurance providers. Beyond lending and insurance, Gareth provides guidance on making the most of other investment vehicles, particularly KiwiSaver, helping clients understand details many overlook, such as which provider and fund type they're actually in.
Gareth is supported by a small, focused team: Adelyne Patrick as Insurance Associate and Samantha Gray as Mortgage Associate, giving clients dedicated expertise across the different areas GV Financial Services covers.
Home loans are a core part of the business, covering everything from a first home purchase through to refinancing, upgrading, renovating, or building an investment property portfolio. For situations that don't fit neatly within mainstream bank lending policies, GV Financial Services has access to a wide range of non-bank lenders who can take a bigger-picture view of a client's circumstances — described on the site as lenders 'who live in the real world.'
On the KiwiSaver side, GV Financial Services provides advice relating to funds including NZ Funds, Booster, Generate and Milford KiwiSaver schemes. For personal risk insurance, the firm works with providers including AIA, Asteron Life, Partners Life, Fidelity Life, Chubb Life and NIB. On the lending side, the firm's panel spans major banks — ANZ, ASB, BNZ, Westpac, Kiwibank, SBS and Cooperative Bank — alongside a long list of non-bank and specialist lenders for more complex situations.
In most circumstances, advice from GV Financial Services comes at no direct cost to the client. Instead, the business is paid via commission from the banks, insurers and other product providers involved. Fees may apply in specific circumstances, such as commercial property purchases, speciality residential home loans affected by credit impairment or complexity, loans intended to be held with a lender for less than 30 months, or otherwise complex lending situations requiring significant pre-application work — and clients are informed in advance whenever a fee applies.
GV Financial Services Limited is licensed by the Financial Markets Authority as a Financial Advice Provider, and maintains a formal complaints process, with unresolved matters able to be escalated to FSCL, an approved independent dispute resolution scheme. For anyone in Christchurch or elsewhere in New Zealand looking for lending, insurance or KiwiSaver advice, Gareth Veale and the GV Financial Services team offer a genuinely wide-ranging, no-cost-in-most-cases advisory service.