CM Financial Advisers is a team of financial advisers in Hawke’s Bay who help people with mortgages, business loans, life and health insurance, KiwiSaver, investments and financial planning. Most of our services are free to you. Give us a call on 06 870 7050 for a no-obligation chat and we’ll tell you honestly whether we can help.
Watch the video above for a quick look at what we do, or read on for the detail.
Who we help
We work with first home buyers, families, investors, business owners, people approaching retirement and anyone who wants a clearer picture of their money. Our clients are mostly in Napier, Hastings and Central Hawke’s Bay, Waipukurau, Dannevirke and Wairoa But we help people all over New Zealand
You don’t need to have it all figured out. Most people start with one question, such as “Can I afford to buy?” or “Am I with the right KiwiSaver fund?”, and we take it from there.
What we can help you with
Mortgages A mortgage is the biggest debt most of us will ever take on. Our mortgage advisers compare options from a range of banks and other lenders, negotiate on your behalf and help you structure your loan so it suits your life. We help with first homes, next homes, investment properties, refinancing and refixing, and renovation and construction loans. In most cases our mortgage service is free to you because the lender pays us.
Business loans Whether you’re buying equipment, growing your business or financing commercial property, we can help you work out the right type of finance and present your application well. [Confirm the exact business lending types to list.]
Life and health insurance Insurance is about protecting the things you’ve worked hard for: your income, your family and your health. Our advisers explain the options in plain English, compare cover from several providers and review your policies as your life changes. [Confirm cover types: life, trauma, income protection, health.]
KiwiSaver Your KiwiSaver is likely to be one of your biggest assets. We can help you choose a fund that matches your goals and timeframe, understand fees, plan to use it for a first home deposit, and get ready for retirement.
Investments If you want your money working harder, we can help you build an investment plan around your goals, your timeframe and how comfortable you are with risk.
Financial planning Financial planning pulls it all together: your mortgage, insurance, KiwiSaver and investments working towards the same goals, whether that’s paying off the house sooner, helping the kids or retiring comfortably.
How it works
- Have a chat. Call us on 06 870 7050 or get in touch online. There’s no obligation.
- Tell us about your situation and goals. We’ll ask about your income, commitments and what you want to achieve.
- Get advice that fits. Your adviser looks at your options and explains them clearly, including the pros and cons.
- We do the legwork. We handle the applications and paperwork, and keep in touch as your circumstances change.
Is it really free?
Most of our services are free to you. For mortgages, KiwiSaver and insurance we’re generally paid by the lender or insurer, which doesn’t change the advice we give you. If a service does carry a fee, such as financial planning or investment advice, we’ll tell you upfront before we start. You can read more in our disclosure statement.
Why Hawke’s Bay chooses CM Financial Advisers
- Local advisers. We live and work in Hawke’s Bay, with a team of specialists who know the local market.
- Everything under one roof. Mortgages, insurance, KiwiSaver, investments and planning.
- Plain-English advice. No jargon and no pressure.
- Recognised by our industry. Link Financial Group named us its 1st place Top Insurance Office in 2026, and we won a Top Brokerage award at the 2026 New Zealand Adviser awards.
- Trusted by locals. Formerly Cole Murray and Mortgage & Insurance Link Hawke’s Bay, we’re the same team and the same service under a new name.
Meet your advisers
Our team of advisers specialises in different areas, so you’ll be matched with someone who knows your topic well. See all advisers.
Ready for a chat?
Call us on 06 870 7050, contact us online or visit us at 310 Avenue Road East, Hastings. We’ll help you work out your next step, whatever your stage of life.
FAQ’s
What does CM Financial Advisers do? CM Financial Advisers is a Hawke’s Bay financial advice firm. Our advisers help with mortgages, business loans, life and health insurance, KiwiSaver, investments and financial planning.
Where is CM Financial Advisers based? We have office in Hastings, Napier, Central Hawke’s Bay and Wairoa. We help clients across Hawke’s Bay and New Zealand.
How much does it cost to talk to an adviser? The first chat is free and with no obligation. Most of our services are free to you because lenders, providers and insurers pay us. We’ll tell you upfront if any fee applies.
Do I need to be a client already to get advice? No. You don’t need to be an existing client. Call 06 870 7050 or get in touch online and we’ll find the right adviser for you.
Can you help first home buyers? Yes. Our mortgage advisers help first home buyers work out what they can borrow, how a smaller deposit might work, and whether KiwiSaver can help. See our first home loan page.
Do I need a mortgage broker or can I go straight to my bank? You can go directly to your bank, but each bank only offers its own products. A mortgage adviser compares several lenders for you and negotiates on your behalf.
What’s the difference between a financial adviser and a mortgage broker? A mortgage broker focuses on home loans. Our advisers cover a wider range, including insurance, KiwiSaver, investments and financial planning, so your advice is joined up.
How do I get started? Call 06 870 7050 or use the contact form. Tell us a bit about your situation and we’ll set up a time to chat.
