About Ginkgo
We give trusted, professional insurance and mortgage advice, tailored to each client's needs. Since 2012 we have grown alongside the people we look after.
Our name comes from the ginkgo, a tree that can live for more than a thousand years. In Chinese it is also called 公孙树, the “grandparent and grandchild tree”: planted today, it bears fruit in time. Insurance and a home loan are decisions of the same kind, made now for the future.
- 2012
Ginkgo Financial Services Ltd (正诚贷款保险服务有限公司) is established to give clients trusted, professional insurance advice.
- 2014
Lending joins the service, so we can help clients build their wealth as well as protect it.
- 2022
We are granted a full Financial Advice Provider (FAP) licence under the Financial Markets Conduct Act 2013. Licence No. 719251.
What we do
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Insurance
We help clients understand their options and choose insurance that suits them, their families and their businesses. Our goal is to minimise financial risk and provide peace of mind in the face of life's uncertainties.
Explore insurance -
Mortgages
We assist clients in finding appropriate lending options that align with their financial situation and long-term goals, helping them move closer to financial freedom.
Explore mortgages -
How we work
We work with a range of insurers, major banks and finance companies to find the right fit for each client. We follow four principles: integrity, objectivity, transparency and fairness.
Joyce He
Director, Insurance & Mortgage Adviser
FSP registration no. FSP 50801
“Not just a policy. A partnership for life.”
Kia ora, I'm Joyce.
I believe there are two things worth getting right in life — making sure your family is protected, and making sure they have a place to call home. A good insurance policy isn't just paperwork; it's your family's real peace of mind. And for so many who've made New Zealand home, owning a warm, safe place to live is a dream close to the heart. This is what I show up for every day — built on trust, for the long run.
I'm a licensed Financial Advice Provider (FAP) in New Zealand, a proud member of Financial Advisers NZ, and a recognised Trusted Adviser. I've been honoured as an MDRT (Million Dollar Round Table) member and IDA (International Dragon Award) winner for consecutive years — a reflection not just of industry recognition, but of the trust and understanding I've built with every client along the way.
- Licensed FAP
- Trusted Adviser
- MDRT member
- IDA winner
My story
I stepped into the insurance industry in 2007, and expanded into mortgage advisory in 2014. Over the years, I've had the privilege of walking alongside families through some of life's biggest moments — buying a first home, growing a business, raising kids, and making sure the right insurance is there to protect every chapter.
In 2012, I founded Ginkgo — a licensed financial services company in New Zealand. We know that the real value of insurance isn't in the paperwork you sign on day one. It's in having someone in your corner when it matters most. That's why we take after-sales service seriously — from regular policy reviews and cover updates, to being right there with you through every step of a claim.
We work with individuals, families, and business owners, and we're proud to support every Ginkgo client in building a secure, confident life in New Zealand.
The team
Anita holds a master's degree in Finance from Massey University and has more than ten years' experience in the finance industry. She joined Ginkgo in 2016 as an insurance adviser and holds the New Zealand Certificate in Financial Services.
She knows the products of New Zealand's insurers well, along with their application and claims processes, and enjoys helping her clients find a better solution.
Since 2017, Joy has been helping clients achieve their financial goals with personalised insurance and lending solutions. With over a decade of experience in real estate, she brings strong market insight, clear communication, and a client-first approach to every case.
Most of her clients come from long-term relationships and referrals, reflecting the trust and care she builds through every step of the journey.
Talk to an adviser
Ask a question or book a time to talk. You can also call us on 0800 365 188.