Finance 
When people find out Finance Worx can access a wider panel of lenders, get them a better rate, and manage the whole process — the next question is usually: “So what's the catch?”
It's a fair question. Here's the straight answer.
Finance Brokers Are Paid by the Lender, Not by You
When a broker successfully arranges finance for you, the lender pays the broker a commission upon settlement. This is standard practice across the finance industry in New Zealand and has been for decades.
There is no upfront cost to you. There is nothing payable on drawdown. You don't write a cheque to anyone before your finance is in place.
Where Does the Fee Actually Land?
The broker fee is settled at the back end of the transaction and is typically included within the loan itself — meaning it forms part of the total amount financed. If you'd prefer not to have it rolled in, you also have the option to pay it separately at settlement. This is a standard fee that brokers charge which helps cover operational costs and will be disclosed to you before you commit to anything. It typically varies from $250–$995 depending on the lender, broker, and asset.
Does Using a Broker Cost More Than Going Direct?
In most cases, no. The commission paid to a broker is comparable to what a lender would spend acquiring a customer through their own channels. And because a broker accesses a panel of lenders rather than one or two institutions, the rate you receive is often better than you'd find going direct.
The Short Version
No cost upfront. No cost on drawdown. Fee disclosed and typically included in the loan. Access to a wider lender panel usually means a better rate than going direct.
If you'd like to talk through your situation, contact us or apply online — it takes a few minutes.