2019 Winner, NZ Adviser Advisers on Banks

2019 Listed in NZ Adviser Global 100

2023 Lender of the Year New Zealand, Loan Market International Awards

Accolades

Baden Martin started his career at ANZ New Zealand in 2003, working as a credit analyst in personal and business banking. Moving on to other roles as a mortgage coach and sales and service manager, Martin built strong relationships with mortgage advisers, which culminated in his appointment as head of mortgage adviser distribution in 2010.

Martin notes that Kiwis are increasingly choosing to engage with the bank via mortgage advisers. “They have an important relationship with their advisers, and so do we. We have about 1,775 ANZ accredited mortgage advisers and are committed to working with them as we deeply value these relationships. Together, we share one very simple objective: to help more Kiwis achieve their homeownership goals.”

“I’m proud of the many examples we see of ANZ and advisers ‘working better together’ in action, to help more Kiwis achieve their homeownership goals, whether it’s buying their first home, next home or refinancing.”

Martin says ANZ has a very experienced team of BDMs who support advisers across New Zealand. “Our BDMs complete a variety of one-on-one and group training events for accredited advisers. Depending on an adviser’s preference, these BDM training events can be completed face-to-face or via webinar. In addition, our team also has a strong presence at Financial Advice Provider conferences, professional development days and other industry events throughout the year.” To further assist advisers, Martin says the bank has launched the ANZ Adviser Hub online portal, which acts as a central point of reference to provide advisers with easy access to ANZ tools, resources and collateral, as well as process and policy updates. “Moreover, we regularly send out communications to advisers to keep them up to date with the latest changes in ANZ home loan processes, policies and rates, as well as exciting adviser initiatives.” Martin says among the most memorable achievements at ANZ was winning the BDM Team of the Year Award at the Professional Advisers Association Conference in 2013 and more recently the 2023 Lender of the Year NZ at the Loan Market International Awards. “I was proud of the work we had completed, working hard to reinvent the ANZ BDM proposition throughout 2011 and 2012.”

In a competitive market, mortgage advisers rely on lenders to give them and their clients a quick time to yes. Martin says the ANZ team work hard to provide fast home loan decisions for advisers through a combination of technology, streamlined processes and risk assessment methods. This involves efficient coordination between ANZ teams involved in the loan origination process, such as the credit assessment, pricing, documentation, onboarding and loan settlement teams. “It’s important to note that the speed of home loan decisions can vary and may depend on factors such as the complexity of the proposal, the applicant’s financial history, and the overall quality and completeness of an adviser’s application,” Martin says. ANZ uses communication channels such as email and text messaging to keep advisers informed about the status of their applications.

“Having experienced and knowledgeable ANZ lending specialists who can workshop proposals and guide advisers through our lending criteria is another way we expedite decision-making,” Martin says. “We are constantly reviewing and streamlining our home loan processes to ensure we are meeting adviser expectations and making the quickest credit decisions possible, and always seek and welcome adviser feedback in this space.”

Spotlight

Martin says Kiwis are having to navigate the ever-changing economic environment, and with rising inflation, increased house prices and cost of living pressures, mortgage advisers are well placed to provide them with specialist knowledge and guidance. ‘Working Better Together’ is an expression of ANZ’s commitment to achieving that, he says. “We’re focused on going the extra mile when it comes to giving advisers support so they can unlock an even stronger relationship with their clients.” Martin says Working Better Together “talks to a collaborative and cooperative approach to achieving a common goal, specifically a successful homeownership journey for clients”. “It emphasises the importance of ANZ building strong partnerships with advisers to achieve great client outcomes. We know that when we come together and work collaboratively, we achieve better results for our mutual clients.

ANZ is Aotearoa New Zealand’s oldest bank, with origins stretching back to 1840. For over 180 years, ANZ has been supporting Kiwis with their financial goals. It employs around 8,000 staff and offers a full range of personal and business banking services, as well as digital banking channels. It has a banking relationship with nearly one in two New Zealanders. ANZ aspires to be a leader in supporting Aotearoa’s transition to a low-emissions, inclusive, climate-resilient economy. Through initiatives such as its volunteering program, various sponsorships and its Financial Wellbeing Programme, ANZ takes pride in making a major contribution to the communities it serves.

Company Profile

1840

Year established

8,000

Number of employees

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1,775

Number of accredited mortgage advisers

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Bio

Spotlight

Milestones

Accolades

Company Profile

Years of Experience

Most memorable achievement

“Winning the BDM Team of the Year award at the Professional Advisers Association conference in 2013 and more recently the 2023 Lender of the Year NZ at the Loan Market International Awards.”

Baden Martin

Head of mortgage adviser distribution at ANZ Bank New Zealand

With two decades of experience working at New Zealand’s largest bank, Baden Martin knows how important mortgage advisers are to ANZ’s success. He tells NZ Adviser what ANZ is doing to strengthen its partnerships with advisers

Read on

“We deeply value the relationship we have with our advisers, and together we share one very simple objective: to help Kiwis achieve their homeownership goals. ‘Working Better Together’ is an expression of ANZ’s commitment to achieving that”

Baden Martin, ANZ

“We are constantly reviewing and streamlining our home loan processes to ensure we are meeting adviser expectations and making the quickest credit decisions possible, and we welcome adviser feedback in this space”

Baden Martin, ANZ

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2019

2022

2023

• Listed in the NZ Adviser Mortgage Global 100. This recognises individuals who have been industry leaders in advocating for positive change across the adviser sector • Wins NZ Adviser Advisers on Banks award. This recognises the lender that has provided the best level of support and service to advisers and customers throughout the year

2019

Wins Most Preferred Bank Lender and Most Preferred Support Centre for Lending awards at the Harcourts Mortgage Express conference. These awards recognise all parts of the adviser service proposition provided by a lender

2022

Named Lender of the Year New Zealand at the Loan Market International Awards. This award recognises the lender that advisers believe has provided the best overall level of support to advisers and customers throughout the year

2023

Milestones

ANZ education, support for advisers

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Published 24 Oct 2023

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Mortgage advisers play crucial role

Martin says the level of activity in the home loans space varies depending on several factors, including interest rates, inflation rates and economic conditions. In the current rising interest rate environment, many homeowners have been motivated to lock in rates as soon as possible in the event that interest rates rise further. “This has been a driver of an increase in refinance applications as homeowners have looked to secure more favourable loan terms,” he says. Feedback from advisers indicates that first home buyers have been more active than investors in the recent winter period, he adds. “When the housing market is active with first home buyers, there are opportunities for advisers to connect potential borrowers with lenders.” As warmer weather arrives, Martin says advisers are likely to see increased activity as a result of a resurgent real estate market, greater interest in residential investment and associated increases in demand for financing. “It’s important for advisers to regularly assess the market conditions and adapt their advice and recommendations accordingly,” he says. “Given the dynamic nature of the NZ mortgage industry, staying informed about the latest developments, regulations and trends is crucial to identifying and advising clients about potential risks and opportunities.”

What’s happening in the NZ mortgage market?

So, what do the next 12 months have in store for mortgage advisers and lending activity? “There is certainly some evidence of green shoots with property prices in recent months,” Martin says. “So far, this has been more pronounced in metro areas rather than the regions.” The property market is influenced by a multitude of factors, including economic conditions, global events and local demand and supply dynamics, he says. “It’s also important to note that market conditions can change rapidly, and the situation in 2024 may be quite different from what was observed in 2023.” For more information on the property market, the ANZ Economics team produce an informative monthly Property Focus publication, featuring commentary and insights on the New Zealand home loan market. Advisers can find the latest editions of Property Focus on the ANZ Adviser Hub. Martin sums up by saying, “We look forward to working better together with advisers to continue to build on the strong relationship we have with them, well into the future.”

Looking ahead

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Working with advisers to help Kiwis achieve their homeownership goals

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Working with advisers to help Kiwis achieve their homeownership goals