30/06/2026
New Zealand – 30 June 2026 – Joyce Ram has been named in NZ Adviser’s Top Brokers report for 2026, recognising her as one of the country’s most trusted mortgage advisers based on outstanding client feedback.
The Top Brokers report highlights New Zealand’s leading advisers, selected through client nominations and ratings rather than loan volume or tenure. Those recognised achieved an average score of 9.0 or higher across key service areas, reflecting excellence in communication, personalised service and proactive guidance.
For Joyce, director and adviser at Aroha Mortgages, the recognition reflects a career built on persistence and advocacy. “I have never been someone who accepts a decline at face value,” Joyce says. “I take the time to understand the reasons behind a decision, work closely with lenders, and explore every available option for my clients.”
With a background spanning banking, lending and financial services, Joyce brings deep technical knowledge and a strong commitment to acting in her clients’ best interests. Her decision to move into independent advising was driven by a desire to advocate for borrowers across multiple lenders, helping them navigate complex and often challenging financing journeys.
Joyce’s approach is particularly valuable in changing market conditions, where lending criteria and interest rates can shift rapidly. She prioritises proactive and transparent communication, ensuring clients remain informed and supported throughout the process. “Even when the news isn’t what a client wants to hear, I believe they deserve honest advice and clear guidance,” she explains.
Her business has grown primarily through referrals, repeat clients and strong community relationships—an indication of the trust she has built over time. Joyce also maintains long-term relationships with clients, offering ongoing support beyond settlement, from refinancing to future investments.
“Success for me is not measured solely by loan volumes,” Joyce says. “It’s about the number of clients who confidently refer their family and friends.”
The NZ Adviser Top Brokers 2026 recognition reinforces Joyce’s reputation as a dedicated adviser committed to delivering results, building trust and supporting clients at every stage of their financial journey.
