Disclosure

You can download this important disclosure information here.

 

Disclosure Information

This document provides an important overview of mortgagehq limited, including our services, duties to you, fees, commissions, and how we manage complaints.

 

License Status and Conditions 

mortgagehq limited, FSP463846, trading as mortgagehq, holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA).

 

Nature and Scope of the Advice

We provide regulated financial advice on:

• Residential lending solutions, including loans from New Zealand’s main banks and a range of specialist/non-bank lenders.
• KiwiSaver advice, offering recommendations on funds from a select group of providers.

Lending Providers
Main bank / CCCFA lenders

• ANZ
• ASB
• Avanti
• Basecorp
• BNZ
• Co-Operative Bank
• Heartland Business
• Kiwibank
• Liberty Finance
• NZCU Baywide
• Peppermoney
• Prospa
• SBS
• TSB
• Westpac

Second Tier/ Non-CCCFA Lenders

• ASAP Finance
• Bank of China
• BizCap
• China Construction Bank
• Cressida Capital
• DBR
• First Mortgage Trust
• Funding Partners
• General Finance
• Goldband Finance
• ICBC
• Pallas Capital
• Simplify
• Southern Cross Partners
• Strata Funding.
• The Lending People
• Vincent Capital
• XCEDA
• XE

KiwiSaver Providers

We provide advice on KiwiSaver funds offered by:

• Booster NZ
• Generate
• Kōura Wealth
• Milford Asset Management
• Milford Funds
• NZFunds

Insurance Providers

• AIA
• Fidelity Life
• PPS
• Partners Life
• Southern Cross

Our Mortgage Advisers have their own Nature and Scope disclosure. These are not available on our website but are provided to you when one of our advisers is engaged by you to give you advice, whether you are a prospective or current client. This will detail the product providers our adviser can give advice on.

 

Fees and Expenses:

Home Loan Advice
We generally do not charge a fee for our standard advice. However, a fee may apply if:

• The lending is complex (e.g. commercial/business).
• The loan involves non-CCCFA lenders that require a brokerage fee.
• There is a request to extend pre-approval beyond the original 6-month period.

You will be notified and required to accept any fees before we proceed.

Brokerage Fee – Non-Bank Lenders
Broker fees for non-bank products will be:

• Confirmed before submission of your application.
• Reconfirmed at the approval stage, per lender protocols.

KiwiSaver Advice
We may charge you directly for KiwiSaver advice (provider-dependent). We may also receive a servicing fee from the KiwiSaver provider (see section 4).

 

Conflicts of Interest and Incentives

We receive commissions from lenders and KiwiSaver providers. To ensure transparency:

Lending Commissions

• Upfront: Typically between 0.45% and 0.85% of the loan amount.
• Ongoing (trail): Between 0.125% and 0.20% annually on the remaining loan balance.

KiwiSaver Commissions
We may receive:

• An initial one-off commission when you join.
• An ongoing service commission of approx. 0.20%–0.50% p.a. based on your KiwiSaver balance (varies by provider)

We will confirm the actual commission structure relevant to your KiwiSaver before you make a decision.

Adviser Remuneration

• Our advisers are salaried employees.
• They may qualify for performance bonuses based on:
  • Service quality
  • Compliance standards
  • Team performance (not just sales volume)

How We Manage Conflicts

• We have formal conflict of interest policies.
• Advisers follow a structured, compliant advice process.
• All staff receive ongoing training in ethical standards.
• We conduct annual internal and external compliance audits, including reviews by our aggregator (KAN).

 

Complaints and Disputes?

If you’re not satisfied with our service:

• Email our Complaints Manager: [email protected]
• Your complaint will be acknowledged within 24 business hours.
• We will attempt to resolve the issue promptly.

If unresolved, you can contact our Dispute Resolution Scheme – this service is free of charge. For more details, visit the “Disputes and Complaints” section on our website.

 

Our Duties to You

We are bound by the Financial Markets Conduct Act 2013 and the Code of Professional Conduct for Financial Advice Services. This means we must:

• Meet competence, knowledge, and skill standards.
• Help you understand the scope and nature of our advice.
• Prioritise your interests where conflicts may arise.
• Exercise care, diligence, and skill.
• Treat you fairly and with integrity.
• Provide honest and accurate disclosure information.

 

Contact Details

Simon McDonald
mortgagehq limited
FSP No: 463846
Financial Advice Provider (FAP)

• Phone: 0800 733 462
• Email: [email protected]
• Geneva House Level 2/3 Te Kehu Way, Mount Wellington, Auckland 1060