Disclosure Statement

Lending Experts NZ Limited

Financial Advice Provider (FSP735791)


Licence Status and Conditions

Lending Experts NZ Limited is a Licensed Financial Advice Provider (FSP735791) authorised by the Financial Markets Authority (FMA) to provide regulated financial advice services in New Zealand.

We are licensed to provide financial advice in accordance with the Financial Markets Conduct Act 2013 and the conditions of our licence.


Contact Details

Lending Experts NZ Limited

Financial Advice Provider Number: FSP735791

Email: admin@lendingexperts.co.nz

Phone: 022 536 3464

Website: https://lendingexperts.co.nz

Office Address:

48 Kuhanui Drive

Karaka

Auckland 2113


About Our Services

Lending Experts NZ Limited specialises in providing financial advice relating to lending and mortgage products.

Our services include advice on:

  • First Home Buyer Loans
  • Residential Home Loans
  • Investment Property Finance
  • Construction Loans
  • Refinance and Debt Consolidation
  • Business Lending
  • Personal Lending
  • Loan Reviews

Nature and Scope of Advice

We provide personalised financial advice relating to residential and commercial lending products.

Our recommendations are based on your financial objectives, circumstances, and lending requirements.

We only recommend products offered by lenders available through our approved lending panel.


Our Lending Panel

We currently work with a panel of approved lenders including:

  • ANZ Bank
  • ASB Bank
  • BNZ
  • Westpac
  • SBS Bank
  • Heartland Bank
  • The Co-operative Bank
  • First Mortgage Trust
  • Liberty Financial
  • Pepper Money
  • Avanti Finance
  • Basecorp Finance
  • ASAP Finance
  • DBR
  • Select Home Loans
  • Vincent Capital
  • Prospa
  • NZCU

Our lending panel may change from time to time.


Advice We Do Not Provide

We do not provide financial advice regarding:

  • Shares or investment portfolios
  • Managed funds
  • Direct KiwiSaver advice
  • Estate planning
  • Wills
  • Enduring Powers of Attorney
  • Trust formation
  • Tax advice
  • Accounting advice
  • General insurance advice
  • Personal risk insurance advice

Where appropriate, we may refer you to suitably qualified professionals.


Fees

In most cases, we do not charge clients a fee for providing mortgage advice.

We are generally paid commission by the lender after your loan settles.

If a lender does not pay commission, or where additional work falls outside our normal service, any fee payable will be discussed with you beforehand and confirmed in writing.


Clawback Fees

Some lenders require advisers to repay commission if a loan is repaid, refinanced, or substantially reduced within a specified period (typically between 24 and 27 months).

If this occurs because of your actions, we may recover all or part of that clawback from you, but only where this has been agreed in writing before the loan settles.


Commissions and Conflicts of Interest

When your loan settles, Lending Experts NZ Limited usually receives commission from the lender.

This commission generally consists of:

  • Upfront commission
  • Ongoing (trail) commission where applicable

Some lenders may also provide non-cash benefits such as:

  • Training
  • Conferences
  • Hospitality
  • Gifts
  • Industry events

To manage conflicts of interest:

  • We always place our clients’ interests first.
  • Our advisers follow documented advice processes.
  • Staff receive ongoing compliance training.
  • We maintain a Gifts and Conflicts Register.
  • Our compliance procedures are independently monitored.

Referral Arrangements

Where appropriate, we may refer clients to trusted professionals, including:

  • Solicitors
  • Accountants
  • Insurance Advisers
  • KiwiSaver Advisers
  • Property Professionals

We may receive a referral commission or referral fee where permitted by law.

Any such arrangement will be disclosed to you before proceeding.


Privacy

We collect, use, store and protect your personal information in accordance with the Privacy Act 2020.

Further information is available in our Privacy Policy, available on our website.


Our Duties

As a Licensed Financial Advice Provider, we are required to comply with the duties set out in the Financial Markets Conduct Act 2013.

These duties require us to:

  • Meet the standards of competence, knowledge and skill.
  • Exercise care, diligence and skill.
  • Act ethically, professionally and with integrity.
  • Give priority to our clients’ interests.
  • Meet the standards of conduct and client care set out in the Code of Professional Conduct.

More information is available at:

https://www.fma.govt.nz


Complaints Process

If you are unhappy with our financial advice or service, please contact us first.

Lending Experts NZ Limited

Email: admin@lendingexperts.co.nz

Phone: 022 536 3464

We will acknowledge your complaint promptly and work with you in good faith to resolve the matter.


External Dispute Resolution

If we cannot resolve your complaint, you may refer it to our external dispute resolution scheme:

Financial Services Complaints Limited (FSCL)

Phone: 0800 347 257

Email: complaints@fscl.org.nz

Website: https://www.fscl.org.nz

FSCL provides an independent and free dispute resolution service.


Contact Us

Lending Experts NZ Limited

Financial Advice Provider Number: FSP735791

48 Kuhanui Drive

Karaka

Auckland 2113

Phone: 022 536 3464

Email: admin@lendingexperts.co.nz

Website: https://lendingexperts.co.nz

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