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New Zealand; a land of opportunity but not without risk.

No matter what background we have or what country we or our forebears come from, there is no doubt New Zealand offers opportunities to those prepared to work for them. This pioneering spirit in a modern world has become more often referred to as our entrepreneurial spirit…where grit and determination meets execution! We can spend time working for ‘the man', building our know-how and experience or we are already experienced business people from other places, and one day we think, ‘I could do this myself. Take my dream, start a business, (or start again), employ some help. I don't want an empire, I just want to work for myself and get a lifestyle out of it for me and my family.'

This attitude is so common that small to medium sized enterprises (SMEs) in New Zealand employing five or fewer people now number over 430,000, employing more than 560,000 people representing immeasurable worth to the national economy (GDP). But there's a threat lurking beneath these impressive statistics: research tells us that New Zealanders are underinsured compared with other countries, with only about a third of the investment other OECD nations put into protecting the livelihoods of the people producing this GDP. At GFS there is too often evidence that business owners, many of whom are the key person in the business, frequently lack some or all of the cover they need.

This is in part because many see insurance as expenditure rather than protecting their dream. One role of GFS is to show people than insurance is not a cost, but on the contrary a vital element of financial wellbeing. A second role is to provide products and services that facilitate that wellbeing.

The diagram shows all the parties at risk in ‘The Circle of Life'. The business is underpinned by its key people, who are subject to general life risks - accident or illness that could leave them temporarily or permanently unable to contribute to the business.

That financial impact flows on to the owner/s of the business (often also a key person), who is responsible for the debt, both visible and invisible. Some owners think they don't need business or key person cover because they don't see any outstanding debt - they wholly own the business and the business assets such as vehicles and so on.

However, that's just the visible debt. The cost of exiting is invisible - if you suddenly had to close the business, what would it cost you to pay all current utility bills, rates, holiday pay and other entitlements? What about your lease commitments too? Too often these issues can be overlooked.

Then there are the families; the people supported by the business. What does the owner's lifestyle cost? What about their staff's lifestyles? Who and what is dependent on the business, and what happens if that revenue stream drops or stops? But of course, ‘the circle of life' only completes because the business also is dependent on the very people needed to drive revenue.

The advice GFS offer their clients looks to deal with this value chain. Certainly, it is the responsibility of business owners and key people to seek advice to get the cover they need. But GFS bear equal responsibility, in that they must help to simplify this process and support their clients transfer of any financial liability they are uncomfortable with should a life risk event strike. Getting the insurance you need should not be complicated or expensive relative to the risks you face – Talk to GFS today about how they can help you.

Call 09 2555500 email


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NZ’s #1 mortgage broker turns 17!

Written by Saurabh Gupta on March 9th, 2016.      0 comments

Global Financial Services (GFS) was founded on 5th March 1999. It is with the support of our customers, the Indian media and the community that GFS is celebrating 17 years of excellence in customer service.

GFS has won more than 29 awards including top and best financial adviser awards in the last 8 years. GFS has arranged more than $3.5 billion in mortgages and $2.5 billion in insurance cover. Our team strength has also grown to nearly 20 employees and we will be expanding further.

Last one year (March 2015 to 16) has been full of positive reviews from customers, awards from prestigious organizations and commendation from the media and dignitaries.

Key achievements include:
  1. Arranged $825 million in mortgages in the last 12 months (until Feb 2016) – This is probably the highest value of mortgages arranged by a mortgage broker in NZ. Even brokers with multiple branches and much larger teams have not been able to do this.
  2. Ranked as the No. 1 single mortgage broker in NZ continuously for the last 2 years by The NZ Mortgage Magazine.
  3. Only mortgage broker to win the Westapc Auckland Business Award for Excellence in Customer Service Delivery – Auckland South 2015. They are one of the most prestigious business excellence awards in Auckland and are delivered by the Auckland Regional Chambers of Commerce in partnership with Auckland Tourism, Events and Economic Development (ATEED). This award was sponsored by Barfoot & Thompson.
  4. Ranked NZ’s top mortgage adviser for ANZ Bank for 4 years running:
    • Valued Business Partner of the Year 2015 by ANZ Bank - For consistent performance over 3 years
    • Mortgage Adviser of the Year 2015 by ANZ Bank
    • Strategic Partnership Award 2014 by ANZ Bank - For consistent performance over 3 years
    • Business & Commercial Adviser of Year 2013 by ANZ Bank
    • Mortgage Adviser of the Year 2012 by ANZ Bank
  5. Ranked NZ’s top mortgage broker for ASB Bank for 2 years running - ‘Number One Broker for New Money Advanced Award’ for FY 2014-15 and 2013-14
  6. Best Financial Adviser Award (Mortgage & Insurance) – at BNZ INLIBA awards 2015
  7. Best Medium Sized Business Award - at BNZ INLIBA awards for 2015 and 2014​
  8. Ranked NZ’s top Insurance Adviser for AIA Insurance for 8 years running

Other developments include:
  1. Our Customer Survey indicated that 98% of the 1,000+ respondents were happy with GFS
    • They also felt that compared to banks & other brokers, GFS service quality is better
    • The survey was conducted by a specialised team hired from outside of GFS using the latest technology for compiling and benchmarking results
  2. Launched our Facebook Page in June 2015.
    • We have received 90 5-star Reviews by our customers – probably the highest* in NZ in the mortgage broker industry (*based on our in house research)
  3. For customer convenience, we launched an online chat tool on our website which helps visitors to get quick answers to their mortgage or insurance questions. Again, we are probably the only mortgage broker to have this facility in NZ.
  4. Implemented IP telephony and Call recording system – It helps customers in giving us a Voice Authorisation over the phone itself instead of sending emails to us. This has helped reducing the cycle time for such customers from nearly 5 days to 5 minutes for requirements such as getting their interest rates fixed or valuations to be ordered.
  5. Listed our website on Google and YouTube – Our You Tube video, 'Save Interest on Your Mortgage' has more than 50,000 views on Facebook and 10,000 views on You Tube. It is also the highest ranking video on Google and YouTube when searching for “save interest on mortgage”.
GFS has strived to be amongst the best employers in the Indian community. It is providing both financial and training support to its employees for studying while working. It also encourages them to attend industry conferences and webinars so that they can provide the latest market updates to our customers.

In 2015, GFS also established a management team to guide and take decisions for the company. We have already seen how it has changed the trajectory of the company to providing even better service to customers and improving the quality of operations to the best international standards.

The management team has decided to expand GFS operations and open new branches in Auckland as well. It has also decided to make further investments in technology, staff training and operations.

Ajay Kumar started GFS with the vision that he will help customers not just get a mortgage but also to advising them on how to pay it faster and save thousands of dollars in interest cost. This was extended to getting the right insurance which would protect the family home in unforeseen events.

Saving interest on loans and premium on insurance has been the motto of the company since then. GFS not only arranges the mortgage it also advises customers on how they can save interest on it and get mortgage free earlier as per their individual capacity.


Social Media Survey Question Competition Terms and Conditions

What do you value most from your mortgage and insurance advisor?


  1. The promoter is: Global Financial Services Ltd whose registered office is at 19/203 Kirkbride Road, Airport Oaks, Auckland.
  2. The competition is open to residents of New Zealand aged 18 years or over except employees of GFS Ltd and their close relatives and anyone otherwise connected with the organisation or judging of the competition.
  3. There is no entry fee and no purchase necessary to enter this competition.
  4. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  5. Route to entry for the competition and details of how to enter is via Facebook
  6. Only one entry will be accepted per person. Multiple entries from the same person will be disqualified.
  7. Closing date for entry will be Friday, 5 May 2017 on 23:59.  After this date no further entries to the competition will be permitted.
  8. No responsibility can be accepted for entries not received for whatever reason.
  9. The rules of the competition and how to enter are as follows:
  1. Be sure to Like and Follow our Facebook Page
  2. The same consumer must answer our survey question by choosing at least one (1) option supplied.
  3. There is no right or wrong answers for this competition.
  1. The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.
  2. The prize is as follows:
    A Countdown Shopping Voucher to the value of NZ$ 50.
  3. The prize is as stated and no cash or other alternatives will be offered.  The prize is not transferable. The Prize is subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice.
  4. The winner will be chosen by a lucky draw, from all entries received and verified by Promoter.
  5. The winner will be notified through their Facebook messages within 10 working days of the closing date. If the winner cannot be contacted or do not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.
  6. The promoter will notify the winner when and where the prize can be collected / is delivered.
  7. The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.
  8. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  9. The competition and these terms and conditions will be governed by law.
  10. The winner agrees to the use of his/her name and image in any publicity material, as well as their entry. Any personal data relating to the winner or any other entrants will be used solely in accordance with current NZ data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
  11. The winner’s name will be available 10 working days after closing date by emailing the following address:
  12. Entry into the competition will be deemed as acceptance of these terms and conditions.
  13. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or any other Social Network. You are providing your information to GFS Ltd and not to any other party.



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Kudos Business Centre,
19-22/203 Kirkbride Rd,
Airport Oaks,
Auckland, New Zealand 2022