For NZ Mortgage & Lending Brokers
That's the brokerage we help NZ mortgage and lending brokers build. AI-powered growth marketing, plus AI systems installed inside the practice, so a sole-operator broker punches like a four-broker shop and the principal stops being the broker and the marketer and the AML officer all in the same day. Engagements from $3.5k to $7k a month. Run by the operator who does the work, not a sales rep.
Prefer a broker-to-operator conversation first? Book a 20-minute call with Greg. The operator. Not an SDR. Not a strategist.
Engagements from $3.5k–$7k/mo. Most NZ brokers we work with see a one-settlement breakeven inside the first quarter.
Pre-selection
It's for brokers who already know how to sell and want flow. Not coaching, not a personal-brand makeover, not "5 secrets I wish I knew." Flow.
If your referral pipeline is fine, the trail book is steady, and you're happy where you are, this is the wrong fit and we'd rather you keep your money. If the next twelve months need to look different, keep reading.
The 2026 broker reality
A long-time client texts from the ASB carpark on a Saturday. "Did the refi in the app. Sorry mate, the rate was good." You read it before sports drop-off. You don't reply for twenty minutes.
A client rings on a Wednesday and says ChatGPT told them their rate should be 5.79 and can you sort it. You laugh along. You hang up. You type "best mortgage broker [your city]" into ChatGPT yourself. Your name isn't there. A broker you've never heard of is.
The aggregator BDM rings on a Thursday with "just a heads-up on the rebate change in October." You do the math in your head on the way to school pickup. Another $3k a year off the take. You don't tell your partner at dinner.
The fear isn't AI itself. It's not knowing what to build it for inside a brokerage. Or who to trust to build it.
The pivot
Used well, AI doesn't replace your client conversations. It fills your CRM with the right ones.
That's the whole game. Tools that let a sole-operator broker produce like a four-broker shop because AI is handling the inbound triage, the FAP-compliant first response, the trail-book re-engagement, and the answer-engine visibility your competitors haven't figured out. Tools that let the principal broker stop being the marketing department on top of being the deal-doer on top of being the AML officer. Tools that turn the dead website form into a queue of pre-approved purchase leads who already want to talk to you.
It is the biggest growth and efficiency unlock available to NZ broking in the next decade. Almost no one is using it on purpose. That's the gap. That's what the next twelve months separate.
The aspirational future
Six months in
Monday morning. Coffee. Open MyCRM. Twelve fresh pre-approved purchase leads in the queue from last week. None of them rate-shoppers. None of them defaulted-KiwiSaver tyre-kickers. Pre-qualified to your checklist before they hit the queue. You ring the first one inside ninety seconds. By Friday you have three applications in. That hasn't happened in eight years.
Twelve months in
The trail book is growing instead of shrinking because the re-engagement system catches refinancers before the bank app does. You take Fridays for prospecting calls and the kid's swimming carnival instead of admin. You hire a second broker because the flow is real, not because you're hoping. The Loan Market BDM rings and asks "what's changed?" You answer in one sentence.
Two years in
A broker in Tauranga or Wellington DMs you on LinkedIn. "How do you keep getting first contact?" A past client rings to say their daughter searched ChatGPT for a broker in your city and your name came up first. The Ranger is paid off. The aggregator BDM asks if you'd present at the next conference. You say yes.
That's the brokerage. The flow is fillable. The trail book compounds instead of leaking. The plan is your plan.
See where you stand
Drop in your brokerage's web address. 60 seconds later you get a one-page scorecard PDF showing every query a prospective client in your region is already asking ChatGPT, Perplexity and Google AI Overviews. Where you should appear. Where you currently do. Which broker down the road is being cited in your place.
Find out where your brokerage shows up before someone else fills the gap. No call required. No salesperson follow-up unless you ask. The audit is the demo.
The audit
60-second scorecard
The deal
Outcomes, not ingredients. Six things every NZ broker we work with ends up with.
01
Eight to twelve pre-approved purchase enquiries a month, pre-qualified to your checklist, dropped into Trail or MyCRM ready for you to ring. Not rate-shoppers. Not comparison-site leftovers. Yours.
02
When someone types "best mortgage broker in [your city]" or "commercial finance broker NZ" into ChatGPT, your brokerage is the answer. Your peer brokers are still hoping Google ranks them.
03
The first-response, the AML-aware intake, the "do you have a 20% deposit" filter. All handled before the lead lands on your phone. You stay the deal-doer. The triage tax disappears.
04
The re-engagement system catches the 2-to-5-year refi cycle before the BNZ in-app flow does. Twenty leaking clients a year becomes four.
05
Drafted from one Loom on the drive in, approved in five minutes, scheduled. Operator voice. No "5 secrets" headlines. The REAs in your area DM you.
06
At the end of year one you can list four AI systems running inside the practice that did not exist twelve months earlier. If we walk out tomorrow, they keep working.
Commission math
$3.5k a month retainer. One average residential settlement covers it. Most brokers we work with see three to six net-new settlements inside the first ninety days.
$7k a month, full scope. Two average residential settlements cover it. Or one decent commercial deal. The same window applies.
This isn't priced as an agency fee. It's priced as outcome economics. The math has to make sense against your commission grid before you'd say yes. It does, even at the high end, on the first settlement.
For context. The SEO contractor you maybe still pay sits at $1k–$2k a month. The Facebook ads guy who burned $8k of your money sat at $2k–$3k. The aggregator's "marketing services" are notionally free and worth roughly that. A part-time marketing hire is $30k a year, slow, and they need someone to brief them. That someone is you. We sit at the senior-but-defensible band, and we're the only one of those that leaves owned infrastructure behind.
Proof
UK SaaS startup
Founders had a product, an early customer base, no machine for finding the next ones. Inside three months we built the positioning, the landing page, the outbound, and the conversion tracking that gave them the demo pipeline they needed to raise. For a broker: turning a smart operator who can close into a brokerage that has flow they don't have to chase.
NZ first-home-buyer campaign
An established NZ financial services brand wanted in on an audience it had never reached before. Full pipeline built from market research to landing page to ad creative to email nurture. Architected to deliver fifty qualified leads a month by quarter three off a $3k start. For a broker: the FHB segment is your bread and butter.
Christchurch insurance broker
Multi-channel pipeline across paid search, AI-search visibility and conversion-optimised landing pages. The operator on the account is also the CMO of the business, which is the only reason the system runs as cleanly as it does. For a broker: the regulatory environment, the aggregator-style politics, the trail-book economics. We already work inside them every day.
About the operator. Greg Dickson. CMO at Gerrard's Insurance. Founder of PipeHQ, a multi-client growth agency. Founder of SettledLoop, his own SaaS platform. Ten-plus years running growth from inside businesses, not commenting on it from the sidelines. Finally an agency run by someone who has actually run growth, who knows what FAP and AML mean before you say them.
What you own
Most marketing vendors sell rented campaigns. When the contract ends, the campaigns end. The brokerage is back where it started, lighter twenty or thirty grand, with a folder of PDFs.
We do it the other way around. Every quarter we install something inside your brokerage. Owned assets. AI systems trained on your IP and your voice, running on your tools. Trail, MyCRM, Salestrekker, whatever you already use. At the end of year one you can list four working systems inside the practice that did not exist twelve months earlier. The inbound triage that responds to enquiries in three minutes when you're in a meeting. The trail-book re-engagement that catches refinancers before the bank app. The proposal and scenario drafter that cuts a Saturday-night job to a Wednesday-afternoon one. The content engine that turns one Loom on the drive in into a week of LinkedIn presence.
Even if you fire us at month seven, the brokerage keeps working. That's the design.
Risk reversal
Nobody honest can promise a specific number of pre-approved purchase leads in 90 days. What we can promise:
The free AI-Search Citation Audit shows you the gap in your own search results before you give us a dollar. You decide if it's worth fixing.
Most marketing agencies sell twelve months. We sell ninety days first. If the sprint produces, the retainer conversation is the easy meeting. If it doesn't, you walk away with the audit, the diagnostic, and whatever infrastructure was installed.
Not a delivery manager. Not a junior. Not a strategist who hands off. The person on the first call is the person doing the work for the next ninety days.
If the audit says you're not ready or the math doesn't work, we tell you. We'd rather have brokers who become case studies than retainers we have to defend.
FAQ
The aggregator sends newsletter templates, social tiles and the occasional conference deck. That's collateral, not lead-gen. Show us one aggregator that puts pre-approved purchase leads in your CRM weekly. We work with the aggregator structure. We don't go around your BDM. We don't badmouth the rebate grid. We keep every claim inside FAP and FMA rules. Most BDMs are quietly pleased when a broker in their book runs modern marketing of their own. Some end up putting you on a panel.
20-min discovery call. 60-min strategy session once. Then 30 minutes a week. Five minutes to approve LinkedIn content. Ten minutes to record a Loom answering a real client question on the drive in. Five to check the CRM. Ten for a weekly Thursday-morning operator check-in before your first client meeting. The brokers we work with do it on a Thursday at 9am and stop noticing it after week three.
Two things at once. AI kills the broker who never showed up in AI. It hands the next decade to the broker who installed it on purpose. The 20%-deposit-PAYE client is already going in the BNZ app. That's gone. The deal you still win is the more complex one. The self-employed, the construction, the bridging finance, the commercial. That buyer is asking ChatGPT who to talk to before they ring anyone. If you're the answer, you grow. If you're not, you watch.
We know the rules. No specific rate claims, no comparative advertising against named banks, no implied product recommendations, AML and CCCFA-aware. The voice in every piece of public content is yours. We draft from your Looms. You approve before it goes anywhere. If you have an aggregator pre-approval process for marketing, we work inside it. The first thing we ask in the strategy session is "what does your FAP framework say we can and can't say." We don't guess.
That's the usual story. The reason it failed is almost never the platform. It's that the leads were sent to the homepage instead of a converting landing page, with no AML-aware qualification step, no first-response system, no trail-book integration, and no exclusivity. We rebuild the whole pipe. Pre-approval qualification before the lead hits your CRM. First-response inside three minutes when you're in a meeting. Leads exclusive to you, not sold to four brokers.
Your checklist gets built into the system before anything goes live. Deposit threshold. Income evidence type. PAYE vs self-employed. Property type. Region. Anything outside your checklist gets filtered before it queues in MyCRM. You see the filter rules. You change them when your appetite changes. If the system queues a lead that shouldn't have made it through, that's a config tweak you can make in a five-minute call.
Honesty
The window
Start with the audit, then decide.
Engagements from $3.5k–$7k/mo. NZ-focused. FAP and AML aware. Built by an operator who has run growth himself.