Nick Coyle - Freedom Financial Limited

Region & Expertise: Mortgage Advisers, Auckland Mortgage Advisers

Mortgage Adviser

“I live and breathe property finance, Monday to Sunday, and LOVE the challenge of a sticky deal!”

Nick Coyle specialises in finding finance solutions for hard-to-get finance deals, investment properties, and first home buyers.

“As a high-performing, relationship-focused financial adviser, I live and breathe property finance, Monday to Sunday! I enjoy the challenge of a sticky deal, and believe I can find a solution for most situations.”

A self-described finance fanatic, Nick has been involved in property for several years – both as an owner-occupier and an investor. Best described as tenacious and determined, Nick draws great satisfaction from helping make home ownership dreams a reality.

“The goal is always best client outcome and that means securing the property. I’m experienced at working with the tight time constraints that are often associated with property deals, and am able to leverage existing relationships to meet tight deadlines.”

Nick has a thorough understanding and personal experience of property finance from both a buying and a selling perspective. The most satisfying area for him is securing a first home for a family, followed closely by closing the deal on an investment property.


      • Important information about Freedom Financial Limited FSP 769995

        Licence status and conditions

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

        Freedom Financial Limited FSP 769995 is authorised by that licence to provide financial advice service.

        Our contact details are:

        Address:           14 Waterloo Quadrant, Auckland CBD 1010

        Telephone:     021 617776


        We provide financial advice on Mortgage Products and Consumer Credit Contracts.

        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 loan products only from the following providers (also known as lenders):


        ANZ Bank New Zealand Limited          

        DBR Limited

        Oxford Finance Limited

        AIA Services New Zealand Limited

        FICO Finance Limited

        Pepper New Zealand Limited

        ASAP Finance Limited

        First Mortgage Managers Limited

        Pioneer Finance Limited

        ASB Bank Limited              

        Funding Partners Limited

        Plus Finance Limited

        Avanti Finance Limited      

        General Finance Limited

        Resimac Financial Securities Limited

        Bank of China (New Zealand ) Limited

        Gold Band Finance Limited

        Southern Cross Finance Limited

        Bank of New Zealand

        Heartland Bank 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 Limited

        Westpac New Zealand Limited          

        Credit Union Baywide

        Midlands Fund Management Limited

        Wroxton Finance Limited

        Cressida Capital One 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); and
        3. General Insurance products; and
        4. Personal Risk Insurance products.

        You will need to consult appropriate specialists if you would like advice on the products above.

        Fees, expenses, or other amounts payable

        In 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.

        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

        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 Freedom Financial 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 work 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 Mortgage Express Head Office on 0800 226226 between the hours of 8:30 am - 5 pm week days
        • Email
        • Write to Mortgage Express Head Office, 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.


Nick is fantastic to work with, I highly recommend using his services. He's an industry expert who gives great advice and will go above and beyond to get you the best deal available. He was always available to answer any questions I had, expIained all the details clearly and made our home buying journey as stress free as possible!! - Danielle - July 2022