Disclosure

Licensing Information

My Financial Advice Provider is licensed by the Financial Markets Authority (FMA) to provide financial advice. This means we operate under the rules set out in the Financial Markets Conduct Act 2013 and follow the required Code of Professional Conduct for Financial Advice Services. You can verify our licensing details on the Financial Service Providers Register.

What Advice I Provide

I offer personalised advice in two main areas:

• Mortgage Advice: Helping you choose and apply for a loan that suits your needs from a selection of lenders.
• Insurance Advice: Helping you select and apply for personal insurance from a panel of insurers.

I will work with you to determine your needs and recommend products and services that best match your situation. I do not provide legal or tax advice; if needed, please consult your solicitor or accountant.

Banks and lenders I use

I source mortgage and loan products from the following lenders:

• ANZ
• Westpac
• BNZ
• ASB
• ASAP Finance Limited
• Avanti Finance
• Cressida Capital
• DBR
• First Mortgage Trust
• Heartland Bank
• Liberty Financial Limited
• Unity
• Pepper
• SBS Bank
• Southern Cross
• Sovereign
• The Co-operative Bank
• Basecorp Finance
• Zip Business
• CFML

Insurers I use

I source insurance products from a panel of insurers including:

• AIA New Zealand Limited
• AMP Limited
• Asteron Life Limited
• Booster SmartCover
• Chubb Insurance NZ Limited
• Fidelity Life Assurance Company Limited
• nib NZ limited
• PartnersLife
• UniMed

Products I can help you with

I can provide advice on a wide range of financial products, including:

Loans

• Home Loans
• Investment Loans
• Construction Loans
• Commercial Mortgages and Finance
• Personal and Vehicle Loans
• Professional Migrant and Trans-Tasman Mortgages
• Reverse Annuity / Equity Release

Insurance

• Public and Professional Liability Covers
• Life Cover and Accidental Death Cover
• Disability Income Protection Cover
• Trauma Cover
• Total and Permanent Disability Cover
• Business Continuation and New to Business Insurance Covers
• Mortgage Protection Insurance Cover
• Medical and Health Insurance Cover
• Key Person Protection Insurance Cover
• Waiver of Premium Cover
• ACC – Cover Plus and Cover Plus Extra

Other Services Offered

In addition to mortgage and insurance advice, I can connect you with specialist services through my referral partners. These include:

• Tower – F&G
• Asset Finance
• Koura Wealth
• UK Pension Transfers
• XE Money
• Booster KiwiSaver
• Generate KiwiSaver
• Blanket Insurance – Hollard Insurance Company Pty Ltd. Administration and claims handling by Ando Insurance Group Limited

If you are interested in KiwiSaver advice, please let me know and I will provide further details about the partners I work with.

I am unable to offer legal or tax advice and recommend you consult your solicitor or accountant for this type of advice.

Fees and expenses

General Advice:

I generally do not charge you a fee for the financial advice I provide because I receive a commission from the lender when your loan settles (please see the section on commissions below).

One-Off Fees:

• No Commission Received: If I provide advice and do not receive a commission from the lender, I may charge a one-off fee. This fee will be agreed in writing beforehand and based on the time I spend on your case.
• Repayment of Commission: If, within 28 months of your loan drawdown, your loan is partially or fully repaid or its terms change significantly and I am required to repay commission to the lender, I may charge a one-off fee. This fee, which will not exceed the amount of commission I must repay, is calculated at a rate of $250 per hour (plus GST if applicable) and capped at $3,000 (plus GST if applicable). You will be invoiced for this fee with 30 days for payment.

Other Charges:

If you do not settle a finance pre-approval within six months, if you withhold important information, or if you engage another adviser or lender before, during, or after the pre-approval process, Mortgage and Insurance New Zealand Limited may charge a fee of up to $250. This fee will be invoiced with 30 days for payment. You may receive a rebate of this fee at a later stage if a loan is successfully settled through our services.

Commissions & Incentives

How I Am Paid:

On settlement of your loan, I usually receive a commission from the lender. This includes an upfront commission (a percentage of your loan amount at drawdown) and, in some cases, an ongoing trail commission (a percentage of the outstanding loan amount). I might also receive a fixed “refix fee” if I assist with a loan refix.

Commission Details:

A table with specific percentages for each provider is below. If your application has any unique commission arrangements, I will explain these to you before we proceed.

Referral Fees:

If I refer you to a referral partner and you open an account, I may receive a referral fee or commission. I will fully explain how these fees are determined before making any referral.

Incentives:

Sometimes, I might receive gifts or rewards from lenders. I manage any potential conflicts of interest by following a strict advice process that prioritizes your needs.

Managing Conflicts of Interest

I strive to always place your interests first. Although I typically do not charge fees for advice, I do receive commissions from service providers. I manage any potential conflict by:

• Ensuring that my advice is based solely on your needs and circumstances.
• Recommending products that meet your requirements—not those that provide me with a higher commission.
• Clearly disclosing all fees, commissions, and any other incentives that may influence my advice.

Privacy & Security

Your privacy is very important to me. I will collect and store your personal information securely in line with my Privacy Policy. I use a secure platform hosted on Amazon Web Services to protect your data, and I will not share your information with any third party except as required by law or as described in my Privacy Policy.

Complaints Process

If you are unhappy with any aspect of the advice or service provided:

• Step 1: Contact me directly (via phone or email) and explain your complaint. Please include your full name and details of your concern.
• Step 2: I will acknowledge your complaint within 24 hours and work with you to resolve it, with a target response time of 7 working days.
• Step 3: If we cannot resolve your complaint satisfactorily, you may refer it to our external dispute resolution service:
  • Financial Services Complaints Limited
  • Phone: 0800 347 257
  • Email: complaints@fscl.org.nz

This external service is free and independent.

My Duties as a Financial Adviser

I am committed to:

• Maintaining the competence, knowledge, and skills required by the Code of Professional Conduct for Financial Advice Services.
• Treating your interests with priority and providing advice that is clear, suitable, and objective.
• Exercising care, diligence, and skill in all my interactions.
• Complying with all legal and ethical standards set by the Financial Markets Authority.

Final Acknowledgment

I declare that the information in this Disclosure Statement is true and complete to the best of my knowledge, and I will provide any further details you need to make an informed decision about using my services.

Please feel free to ask me any questions or request clarification on any part of this Disclosure Statement at any time.