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When a client isn’t ready to buy, plenty of advisers wish them well and move on to the next deal. Mita Kumar hands them a plan instead. “If someone isn’t in a position to buy, I don’t turn them away,” she says. “I give them a plan, help them with budgeting or saving and stay in touch until they’re ready.”
That refusal to treat lending as a transaction run through everything Mita does, and her clients have noticed. Their nominations and service ratings have placed her among NZ Adviser’s Top Brokers for 2026.
Mita’s path into advising began in banking, where she built a strong foundation in lending and customer service and saw how financial decisions shape people’s lives. When the opportunity to become a mortgage adviser arrived, she says it didn’t feel like a random chance at all. “It was a moment where everything I’d learned aligned with what I genuinely enjoy: helping families make confident, informed decisions about their future.”
That sense of purpose is tested daily in a lending environment where policies shift, banks adjust and every client’s situation is unique. Rather than treating the constant change as a burden, Mita sees it as where she adds the most value, stepping in with clarity and straightforward communication for clients who arrive feeling overwhelmed. “For me, it’s about turning uncertainty into confidence,” she says. “When clients feel informed and supported, everything becomes smoother and that’s the space where I do my best work.”
Being easy to reach is part of Mita’s formula. “I’m available after hours and on weekends when needed because I know people have busy lives and big decisions to make,” she says. Most of her clients arrive through word of mouth, something she attributes to fast communication, honest conversations and consistency.
If asked what drove her standout 12 months, Mita points to a decision she made at the start of the year: lifting her standards across the board, from client service to time management, follow-ups and her own personal growth, while investing in referral partnerships and community presence. “It wasn’t one big change – it was a lot of small, intentional actions that added up,” she says.
The reward is trust that compounds. Mita says her greatest achievement is the level of service people rely on, with clients returning, referring family and friends and placing their biggest financial decisions in her hands. She says, “What means the most is seeing clients reach goals they once thought were out of reach.”
Looking ahead, Mita plans to educate clients earlier in their journey, especially first-home buyers, and deepen her referral and community relationships. “I’m not driven by hard targets; my focus is on meaningful progress,” she says. It is growth on her own terms: authentic, sustainable and built around the families she serves.
1/14 Ormiston Road, Flat Bush, Auckland 2016
0211 144 881
mita@reliablemortgages.co.nz
linkedin.com/in/mita-kumar-5baa4178
reliablefinancialgroup.nz
Mita Kumar
Senior Mortgage Adviser
Reliable Financial Group
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Home
Bio
Milestones
2001–2009
2014–2017
2017–2019
2019–2025
2026
2001–2005: Senior Personal Banker at ANZ Fiji
2006–2009: Branch Manager at ANZ Fiji
2001–2009
2014: Assistant Branch Manager at ANZ
2014–2017: Business Manager at ANZ
2014–2017
Business Manager at Westpac
2017–2019
2019–2025: Lending Specialist at ANZ
2025: Mortgage Broker at Reliable Financial Group
2019–2025
NZ Adviser’s Top Broker
2026
Milestones
“At this stage in my career, I’m not trying to impress clients with technical language. I’m focused on helping them make better decisions”
William Chan,
Modern Vision Planning, Sterling Mutuals Inc.
“A message is only as strong as the receiver’s ability to understand it. Good intent isn’t enough if the client can’t clearly see the benefits and trade-offs”
William Chan,
Modern Vision Planning, Sterling Mutuals Inc.
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