# EverBright Finance > EverBright Finance (SureCapital Investments Limited, FSP624289) is a New Zealand Financial Markets Authority-licensed financial advice provider offering mortgage, business funding, project finance, and insurance services. Headquartered in Ellerslie, Auckland, with branches in Albany (North Shore) and Flat Bush (East Auckland). Phone: 0800 798 815. Email: info@everbright.co.nz. EverBright Finance helps New Zealand families and businesses achieve their financial goals through access to 30+ lenders and 8+ insurers. The company holds a 4.9-star Google rating from over 159 reviews and has won multiple New Zealand Mortgage Awards, including Brokerage of the Year 2026. All financial advice is provided under the licence of Link Financial Group 2022 Limited (FSP1004590), authorised by the Financial Markets Authority. Core values: People, Integrity, and Professionalism. ## Services - [Home Loans](https://www.everbright.co.nz/home-loans/): Mortgage advice for first home buyers, existing homeowners moving up the property ladder, investors, and those looking to refinance. Services include eligibility checks, affordability calculations, lender matching across 30+ bank and non-bank lenders, and full application management. Construction loans also available. - [Business Funding](https://www.everbright.co.nz/business-funding/): Small business loans (1–15 year terms, secured and unsecured), asset finance (1–17 year terms using the purchased asset as security), and cash flow funding (business overdraft, invoice finance, trade finance). Suitable for working capital, debt consolidation, asset purchases, and business acquisitions. - [Project Finance](https://www.everbright.co.nz/project-finance/): Tailored property development finance including equity release, land banking, construction funding, and subdivision funding. Works with both main banks and non-bank lenders across the New Zealand property finance sector. - [Insurance](https://www.everbright.co.nz/insurance/): Personal and business insurance advice covering life insurance, trauma cover, income/mortgage protection, medical (health) insurance, total and permanent disability (TPD), and household expenses cover. Works with 8+ insurers including AIA, Partners Life, Fidelity Life, nib, Asteron Life, Chubb, Southern Cross, and Accuro. ## About - [About Us](https://www.everbright.co.nz/about-us/): Company background, vision, mission, values, and accreditations. EverBright is accredited with all major New Zealand banks and an extensive range of non-bank lenders. - [Our Team](https://www.everbright.co.nz/about-us/our-team/): Profiles of 24 finance professionals across mortgage, insurance, and support teams. Key staff include Frank Cui (Managing Director), Francine Kwok (General Manager), Edward Lai (Head of Insurance), and Nina Yin (Compliance Officer). - [Join Us](https://www.everbright.co.nz/about-us/join-us/): Careers information for prospective Financial Advisers (mortgage and insurance). Offers training, accreditation support, financial leads, and flexible working. ## Resources - [How Much Could You Borrow](https://www.everbright.co.nz/how-much-could-you-borrow/): Online borrowing capacity calculator for prospective home loan applicants. - [Repayment Calculator](https://www.everbright.co.nz/repayment-calculator/): Mortgage repayment calculator to estimate monthly payments. Results are illustrative only. - [Blog](https://www.everbright.co.nz/blog/): Finance articles and case studies covering mortgages, business loans, and related topics for New Zealand borrowers. - [Publicly Available Disclosure](https://www.everbright.co.nz/publicly-available-disclosure/): Full regulatory disclosure including licensing information, the nature and scope of advice provided, lender and insurer panels, fee structures, conflict of interest management, complaints process, and adviser duties under the Financial Markets Conduct Act 2013. ## Applications - [Home Loan Application Form](https://www.everbright.co.nz/home-loans/application-form/): Online application form for home loan enquiries. - [Business Loan Application Form](https://www.everbright.co.nz/business-funding/business-loan-applcation-form/): Online application form for business funding enquiries. ## Legal & Compliance - [Privacy Statement](https://www.everbright.co.nz/privacy/): Privacy policy covering how EverBright Finance collects, uses, and protects client personal information. - [Disclaimer](https://www.everbright.co.nz/disclaimer/): Website disclaimer noting that content is for general purposes only, not specialist advice, and that calculator outputs are illustrative. Site is for New Zealand users only. - [Compliments or Complaints](https://www.everbright.co.nz/compliments-or-complaints/): Formal complaints procedure. Internal complaints handled within 10 working days. External escalation available through the Financial Disputes Resolution Service (FDRS), freephone 0508 337 337. ## Contact - [Contact](https://www.everbright.co.nz/contact/): General enquiry form and contact details. **Head Office:** 381 Great South Rd, Ellerslie, Auckland 1051 **North Shore Branch:** Unit D, 1/1 Antares Pl, Albany, Auckland **East Branch:** Unit 1, Bishop Dunn Pl, Flat Bush, Auckland 2013 **Phone:** 0800 798 815 **Email:** info@everbright.co.nz **Facebook:** https://www.facebook.com/everbrightfinance/ **LinkedIn:** https://www.linkedin.com/company/everbright-finance **Instagram:** https://www.instagram.com/everbrightfinance/ ## Lender Panel (partial list) **Bank lenders:** ANZ, BNZ, ASB, Westpac, Kiwibank, Bank of China, Heartland Bank, SBS, The Co-operative Bank, China Construction Bank, ICBC, TSB. **Non-bank lenders:** AIA, ASAP Finance, Avanti Finance, Basecorp Finance, Bluestone, CFML Loans, Cressida Capital, DBR, Fico Finance, General Finance, Get Capital, Gold Band Finance, Liberty Finance, First Mortgage Trust, Funding Partners, Pepper Money, Prospa, Resimac, Southern Cross Partners, Vincent Capital, Xceda, Zagga, and others. **Insurance providers:** AIA, Fidelity Life, Accuro Health Insurance, nib, Asteron Life, Partners Life, Chubb, Southern Cross. ## Awards & Recognition - 2026 New Zealand Mortgage Awards – Brokerage of the Year (Winner) - 2025 NZ Adviser – Top Brokerage - 2025 New Zealand Mortgage Awards – Brokerage of the Year Excellence Awardee - 2024 New Zealand Mortgage Awards – Brokerage of the Year Excellence Awardee - 2024 NZ Adviser – Top Brokerage - 2023 New Zealand Mortgage Awards – Brokerage of the Year Excellence Awardee - 2023 NZ Adviser – Top Brokerage - 2022 NZ Adviser – Fast Brokerage - 2021 IFG Platinum Award – Mortgage Office, 1st Place Nationally - 2021 IFG Gold Award – Insurance Office, 2nd Place Nationally ## Process EverBright Finance follows a 6-step advice process: 1. **Apply Online** – Submit contact details; an adviser will follow up promptly. 2. **Documentation** – Adviser identifies needs, objectives, and risk tolerance; assists with required documentation. 3. **Analysis** – Assessment of current financial position, borrowing capacity, or provisional insurance rate. 4. **Recommendation** – Presentation of the most suitable solution with full explanation of reasoning. 5. **Implement** – Application submitted to the selected lender or insurer. 6. **Ongoing Service** – Regular review to ensure financial arrangements remain appropriate over time.