Daniel Kuo
About Daniel
Mortgage Adviser | FSP No. 486027
Squirrel Mortgages Ltd | FAP Licence No. 136364
Proudly recognised as one of New Zealand’s Top Mortgage Advisers 2025 by NZ Adviser (NZA).
With nearly a decade of mortgage advising under his belt, Daniel knows bank policies better than most. He’s here to make finance simple, helping first-home buyers, investors and business owners secure the best deals.
Originally with NZ Mortgages, now part of Squirrel, Daniel works with clients nationwide (Auckland to Invercargill, and everywhere in-between) and always puts their interests first. Based in Christchurch, he’s the kind of adviser who goes the extra mile, and then a few more, just to make sure you get the right solution.
Outside of work, Daniel’s got his hands full with two kids, some travel plans and the occasional fishing or camping trip.
Qualifications
Bachelor of Commerce Major Accounting, NZ Certification in Construction Trade Skills and NZ Certification in Financial Services.
How Daniel is paid
Daniel is a commissioned adviser and is paid the same no matter which lender you choose, so there's no pressure or bias toward any particular option. At a company level, Squirrel is paid either upfront or through a combination of upfront and trail commissions by its lenders and insurance providers.
In most cases, his services are completely free, however there may be some occasions where he might need to charge a fee. For more information, please head to our mortgage advice disclosure page.
Daniel's commitment to you
As a licensed financial adviser, Daniel follows the rules set out by the Financial Markets Conduct Act and the Code of Professional Conduct. This means he must put your interests first, act with care, skill and diligence, be competent and ethical and treat you fairly. Daniel has no relevant convictions, bankruptcies or disciplinary actions to disclose.
Squirrel Mortgages Limited holds a Financial Advice Provider Licence issued by the Financial Markets Authority (FMA).
If you’re unhappy with the advice or service you receive and want to make a complaint, you can view our complaints process here.
Daniel's profile was last updated: September 2025
Book a chat with Daniel
Don’t just take our word for it
Henry Siwanzi
New Zealand
Tessa was amazing in guiding us through the process of purchasing our first home. Working with us from over a year before we made the purchase to get our finances in order before helping us make the purchase when we found the right house.
Viliame
New Zealand
As first-home buyers, we truly appreciated Sudam's guidance, patience, and clear communication every step of the way. He made what initially felt like a stressful process much smoother and much easier to understand. We're very grateful for all the effort Sudam put into helping us secure the right loan structure and competitive rates. Reaching this milestone is incredibly exciting for us, and we're glad to have had his support throughout the entire journey. Thank you, Sudam, for helping make our dream of homeownership a reality.
Holly
New Zealand
Really appreciate all the help given. Highly recommend
Jacob K
New Zealand
I recently completed a full refinance, and I had the privilege of working with Ari Bains - Mortgage Adviser Christchurch, throughout the entire process. Ari was exceptional from start to finish. He handled every step with efficiency, clarity, and genuine care, making what could have been a stressful financial transition feel smooth and well‑managed. Ari took the time to understand my situation in detail and provided clear guidance at every stage. His communication was prompt, professional, and reassuring, and he consistently went the extra mile to ensure everything was completed correctly and on time. I felt supported, informed, and confident in every decision because of his expertise. If you are looking for someone who is knowledgeable, reliable, and truly committed to helping you achieve the best financial outcome, I highly recommend Ari Bains. His service has been outstanding, and I am genuinely grateful for his help.