WINNER: Prospa Brokerage of the Year – 6+ staff

EverBright Finance

Frank Cui

Founder/Managing Director

Frank Cui is the Founder and Managing Director of EverBright Finance. His professional career includes 14 years’ experience at two major banks in New Zealand and several senior roles in the financial industry, including his last position as head of a Migrant & Asian Banking Division. He also serves on the board of New Zealand’s Employers and Manufacturers Association. As a career banker and businessman, Frank is passionate about supporting local businesses and communities and helping them grow. He also has a master’s degree in advanced leadership practice from Massey University and a finance degree from Auckland University. Frank is married with two children. In his leisure time, he enjoys playing basketball and acoustic guitars. 

Founder/Managing Director

Frank Cui

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As an independent, forward-thinking girls’ school we are committed to preparing girls for a lifetime of learning, leadership and engagement in our global community. We believe in girls. At Ruyton Girls’ School we foster the individuality of each girl in a caring and safe environment, nurturing her intellectual, physical, social and emotional qualities that are essential to flourish. Powerful learning is central to the Ruyton culture, building on our strong academic reputation. We focus on advancing the learning of every girl through the engagement of intellectual curiosity, building their knowledge and skills about how to learn, and supporting them to achieve their personal best and be exemplary citizens. We believe in real-world learning beyond the classroom, collaborating with the wider community to promote growth, discovery and sustainability. We empower our girls to lead lives of purpose with courage, character and compassion. Through the development of values and action-focused learning they are inspired to pursue equity and justice for self and others. By embracing diversity and raising their voices, our girls effect positive change and make a difference.

EverBright Finance was founded in 2015 by a group of dedicated and highly experienced former bankers, with a vision to provide New Zealanders with sensible, simple and successful financial solutions as they build their futures. Since then, the company has been recognised for its outstanding performance, including being ranked first nationally by Link Financial Group for five consecutive years and being named a New Zealand Mortgage Awards Brokerage of the Year Excellence Awardee from 2023 to 2025. Over a relatively short period, EverBright Finance has helped thousands of clients achieve their financial goals. The company is accredited with all major New Zealand banks, along with a wide range of other lenders, allowing the team to offer clients access to lending solutions tailored to their individual circumstances. Through its strong and professional lender relationships, EverBright Finance is committed to delivering the most suitable outcomes for every client. At EverBright, every home tells a story. We have walked alongside families as they purchased their first home, expanded their property portfolios and, in many cases, grew into developers who now contribute to their communities. For us, success is not measured by numbers alone but by the dreams we help turn into reality – the security of a home, the pride of ownership and the hope of a better future. We are proud that our work not only changes lives but also strengthens families and helps build a brighter future for our communities.

Francine Kwok

General Manager

Francine Kwok is General Manager at EverBright Finance and an accredited Mortgage Adviser, overseeing a high-performing adviser team with a focus on growth, strategy and operational excellence. She brings two decades of banking experience from BNZ, where she developed deep capabilities in credit, risk, people leadership and change management. As Regional Manager, she led the bank’s SME Business Acquisition team to top performance nationwide, delivering tailored financial solutions to help businesses thrive. Francine’s leadership is grounded in practical experience, a strong results mindset and a commitment to raising the bar in client service and adviser development across the mortgage industry.

General Manager

Francine Kwok

Oliver Huang is Director of the EverBright Finance North Shore team and a highly experienced Senior Financial Adviser. With extensive knowledge and expertise in various fields, including IT, international trading, wholesale manufacturing, retail, residential construction, property development and the banking/financial industry, Oliver has established himself as a specialist in property finance and residential, business and commercial loans. His rich business background and property development knowledge make him stand out in the finance sector. Oliver’s commitment to excellence has been recognised with multiple awards. He takes pride in helping countless customers achieve their financial goals and turning their dreams into reality.

Director of Northshore Team

Oliver Huang

EVENT PARTNER

Oliver Huang

Director of Northshore Team

Edward Lai

Head of insurance

Edward Lai is Head of Insurance at EverBright Finance. He believes that putting his clients first and maintaining the utmost professionalism on their behalf is a must, and this has never steered him wrong. Edward brings the highest degree of experience to his clients by listening to their needs and working diligently with them to implement a comprehensive, customised plan that is unique to them. Edward specialises in life risk insurance such as Life/Trauma/Disability income protection/TPD/Medical cover, etc. His clients consistently describe him as an honest, helpful and passionate person who is dedicated to providing exceptional service and attention to detail. With Edward on their side, clients can rest assured that they will receive the highest level of expertise and care when it comes to their insurance needs.

Head of insurance

Edward Lai