John Boswell - Vizion Brokers Limited

Region & Expertise: Mortgage Advisers, Northland Mortgage Advisers, Auckland Mortgage Advisers

Mortgage & Insurance Adviser

"I strive to offer a professional, end-to-end service for all my clients."

All-round service sets adviser apart

Customer service has always featured strongly in Mortgage and Insurance Adviser John Boswell’s career. Previous roles in auctions, financial services, and as a business owner have meant that client/customer satisfaction has always been paramount.

 John enjoys working with the professional support structure of the Mortgage Express and Harcourts teams. Says John: “Joining Mortgage Express means I can broaden the scope of services I can offer my clients. I’ve been working in this industry for a long time and I can see the areas where people need additional support. Being part of the Mortgage Express team means I can offer that.”

For John, this includes offering specialist assistance with buying at auction. “Buying at auction is becoming more commonplace in New Zealand,” says John. “Because I have a background in working with auctions, I can support my clients through the whole process. That means attending the auction with them, assisting with placing bids, and working out strategies that suit them.

“The best part about being a mortgage adviser is helping people achieve their objectives. Helping clients to be well informed, and to structure their affairs in the best possible way, means they are much better placed to get where they want to be.”

John is based primarily in the Rodney region, encompassing Orewa, Whangaparaoa, Warkworth, Wellsford, Snells Beach and Mangawhai.

“Whangaparaoa is a growth region,” says John. “With such high house prices in Auckland city, plenty of people are looking for other options, and for many, that means moving up from Auckland. I can see the huge growth happening here and know that there are a lot of opportunities for smart buyers. And with the new motorway tunnel in place, most of Rodney is only one hour from Auckland city.”


Important information about Vizion Brokers Limited FSP 716231

My advice is provided through my company Vizion Brokers Limited that trades using the Mortgage Express brand owned by Mortgage Express Limited (MX).

MX is engaged in the business of supporting financial advisers to access financial products, and to market and promote, their finance, mortgage and insurance broking and facilitation services.

Licence status and conditions

Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service.

Vizion Brokers Limited FSP 716231 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:       5 Raymond Terrace Birkenhead Auckland

Telephone:   021 956414



We provide financial advice on Residential and Personal loan products and Personal risk Insurance products.

We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us.

Nature and scope of financial advice service

We engage financial advisers to provide financial advice on the following financial products:

Residential and personal loan products

We, through our advisers, provide financial advice service about residential and personal loan products only from the following providers (also known as lenders):

ANZ Bank New Zealand Limited          

Cressida Capital One Limited

Pepper New Zealand Limited

AIA Services New Zealand Limited

DBR Limited

Pioneer Finance

ASAP Finance Limited

FICO Finance Ltd

Plus Finance Limited

ASB Bank Limited              

First Mortgage Managers Limited

Property Funding Securities Ltd

Avanti Finance Limited      

Funding Partners Limited

Resimac Financial Securities Limited

Bank of China (New Zealand ) Ltd

General Finance Limited

Southern Cross Finance Limited

Bank of New Zealand

Gold Band Finance Limited

Southland Building Society

Basecorp Finance Limited

Industrial and Commercial Bank of China (New Zealand) Limited

The Co-operative Bank Limited

Bluestone Mortgages NZ Limited

Liberty Financial Limited

TSB Bank Limited

China Construction Bank (New Zealand) Limited

Metro Finance Ltd

Westpac New Zealand Limited          

Credit Union Baywide

Oxford Finance Limited

Wroxton Finance Limited


Personal risk insurance products

We, through our advisers, provide financial advice service about personal risk insurance products (e.g., life insurance, income protection insurance, mortgage protection insurance, total and permanent disability insurance, trauma or critical health insurance, and medical or health insurance) only from the following providers:

AIA Services New Zealand Limited

Asteron Life Limited                

Cigna Life Insurance New Zealand Limited          

Fidelity Life Assurance Company Limited

nib nz limited

Partners Life Limited


We do not provide financial advice service related to:

  1. Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
  2. Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description);
  3. General Insurance products.
  5. You will need to consult appropriate specialists if you would like advice on the above products.

Fees, expenses, or other amounts payable

In the majority of cases we do not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. Our remuneration is paid by the product providers by way of commission.

However, we may charge a fee for the financial advice service provided to a client where a client repays a residential home loan within a defined time up to 28 months from the date it is drawn down / cancels a personal risk insurance product policy within 24 months from the date the policy is put in place.

Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client.


Conflicts of interest and commissions or other incentives

Residential and personal loan products
We and Astute will receive commission from the lenders who provide residential and personal loan products. If you decide to take out a residential or personal loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders.

Our adviser takes drawings from Vizion Brokers Limited.

Personal risk insurance products
We and Astute will receive commission from the insurance companies who provide personal risk insurance products. If you decide to take out a personal risk insurance policy, then the insurance company will pay commission based on the premium that you pay.

Our adviser takes drawings from Vizion Brokers Limited.

From time to time, various product providers (described previously) may also reward us and/or Astute for the overall business provided to them. They may give tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made based on the client’s personal goals and circumstances. All our financial advisers undergo annual professional development refresher training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives received.

Complaints handling and dispute resolution

We take all complaints seriously and works to resolve them as quickly as possible.

If you are unhappy with our financial advice service, and wish to make a complaint, please contact your financial adviser so he or she can try to put things right.

If you do not feel comfortable discussing your concerns with your adviser, you can:

  • Call David Gopperth, General Manager, Mortgage Express on 027 3489248 between the hours of 8:30 am - 5 pm week days
  • Email
  • Write to David Gopperth, General Manager, Mortgage Express, PO Box 9268, Newmarket, Auckland 1023.

 How your Complaint will be handled

We will deal with your complaint using our internal complaints handling process. Accordingly,

  • We will investigate your complaint by analysing the information you provided us; and

  • We may contact you to get additional information about your complaint.

We aim to resolve your complaint within 40 days of its receipt and advise you, in writing, our proposed resolution to your complaint.

If we cannot resolve your complaint within 40 days of receipt (or any additional time you have given us thereafter, at our request) you can contact the Financial Services Complaints Ltd (FSCL).

FSCL provides an independent external dispute resolution service to consumers with complaints about their financial service providers. This service will cost you nothing and will help us to investigate or resolve your complaint if it is not resolved to your satisfaction using our internal complaints process.

You can contact the FSCL Scheme at:



Telephone:                        0800 347 257 or +64 4 4723725

Address:                            Level 4, 101 Lambton Quay, Wellington 6011

                                            P O Box 5967, Wellington 6140


We, Astute and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to:

  • meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and
  • give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and
  • exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and
  • meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice